Customise Scenario
Initial Principal:
{{ fmtPrincipal }}
(auto)
S$100kS$5M
Annual Withdrawal:
S${{ withdrawal.toLocaleString() }}
S$10kS$300k
Gross Return:
{{ (grossReturn * 100).toFixed(1) }}%
3%10%
Trust Fee (p.a.):
{{ (trustFee * 100).toFixed(2) }}%
0.10%2.0%
{{ m.label }}
{{ m.value }}
⚠ Trust depletes in approximately {{ Math.ceil(depletionYear) }} years
(around {{ currentYear + Math.ceil(depletionYear) }}). Annual withdrawals exceed net returns.
✓ Trust is self-sustaining — net income exceeds withdrawals. Capital preserved indefinitely.
✓ You need at least {{ fmtFull(requiredPrincipal) }}
to withdraw S${{ withdrawal.toLocaleString() }}/yr indefinitely
at {{ (grossReturn * 100).toFixed(1) }}% gross return.
⚠ Net return is zero or negative — no finite principal can sustain withdrawals indefinitely.
Your Scenario — Trust Balance Over Time
Required Principal — Balance Over 35 Years
Scenario Comparison — 35-Year Horizon
Uses your current principal ({{ fmtFull(principal) }}) and trust fee ({{ (trustFee*100).toFixed(2) }}%)
Break-even Withdrawal (Capital Preserved Forever)
Principal: {{ fmtFull(principal) }} · Trust fee: {{ (trustFee*100).toFixed(2) }}%
| Gross Return | Net After Fees | Max Sustainable Withdrawal | Withdrawal Rate |
|---|---|---|---|
| {{ row.grossPct }} | {{ row.netPct }} | {{ row.maxW }} | {{ row.ratePct }} |
Required Principal by Return Rate
Withdrawal: S${{ withdrawal.toLocaleString() }}/yr · Trust fee: {{ (trustFee*100).toFixed(2) }}%
| Gross Return | Net After Fees | Required Principal |
|---|---|---|
| {{ row.grossPct }} | {{ row.netPct }} | {{ row.reqP }} |
For illustrative purposes only. Not financial advice. Actual returns, fees, and tax treatment will vary.
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