Pier Financial Advisors

Source: J.P. Morgan Asset Management. (2025). Guide to Retirement.

This chart is for illustrative purposes only and must not be relied upon to make investment decisions. Discuss your individual circumstances and objectives with a qualified financial professional.

Model assumptions:
- Goal is to maintain an equivalent lifestyle in retirement
- Income is assumed to be gross income (before taxes and savings).
- Annual gross savings rate: 10%
- Pre-retirement portfolio: 60/40 equity/bond diversified portfolio
- Post-retirement portfolio: 40/60 equity/bond diversified portfolio
- Inflation rate: 2.4%
- Retirement age: 65
- Years in retirement: 35
- Based on proprietary Long-Term Capital Market Assumptions returns and an 80% confidence level

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Source: The Importance of Being Earnest, J.P. Morgan Asset Management, 2013