Managing Money During Retirement
Defined Withdrawals
 A strategy for steady, dependable, and long-term investment income.

Version 3.04 for Excel 2000 and higher

ISG Investment Income Simulator  

Have you ever wondered how much income you could reliably maintain from your investments and wished that you could have a practice run?  The Investment Income Simulator allows you to do just that.  It simulates real-life stock market variability so that you can practice making financial decisions without the risk of financial loss.  Test your skills and see if you can maintain your desired income for up to 30 years.  Your Excel program must have macros enabled (see bottom of page).

We recommend viewing the free presentation, A Nightmare On Wall Street, before using the simulator.  This presentation demonstrates how to use the simulator and teaches some tricks for navigating through tough financial times.

Right click on the file below and select "Save Target As" to download the file

(408 Kbytes)

This file includes both a simple and advanced version.  With the advanced version you will be able to compare your results to the results that would have occurred with a Systematic Withdrawals plan.  Each 30-year investment scenario is different, and some are more difficult than others...just like real-life!

Macros: If your Excel program does not have macros enabled and it does not give you the option to enable macros when the Investment Income Simulator is launched, you will need to modify the security setting.  To do this, click "Tools" on the Excel menu bar, then select "Macro", then "Security", and then choose either the Medium or Low setting.  Close Excel and re-launch the Investment Income Simulator.  The Investment Income Simulator may not be compatible with versions or Excel prior to Excel 2000, and it is not compatible with Macintosh computers.


Creating an income ladder using ordinary bank certificates of deposit is not difficult.  In fact the free online calculator at makes it easy.  CLICK HERE  

Free Book Download
This book explains how to use the ISG software, but it is much more than a software manual.  It is a comprehensive guide to managing investment and retirement income.  Learn about different investment income strategies, dollar-price erosion, income ladders, the new role that diversification plays when investing for income, the important difference between investing in bonds vs. bond funds, trend-line analysis, etc. CLICK HERE

A Nightmare On Wall Street
We recommend viewing this free presentation before using the Investment Income Simulator. CLICK HERE


Retirement Income Software
The unique ISG software is designed specifically for developing sophisticated retirement income plans using the Defined Withdrawals strategy. CLICK HERE 


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