How would you set up the countif function?

Suppose you retire with $1million at age of 65. You plan to invest your retirement into a mixture of a riky fund and a fixed income fund, where the return of the risky fund follows a normal distribution. You plans to withdraw $150,000 at the end of every year from this accout. To prevent overwithdrawal at the end, you put a safety cushion of 3 If balance of the retirement fund at the end of year, before annual withdrawal is less than 3 times the planned annual withdrawal amount, you withdraw one-third of the remaining balance. (Hint: use IF function) Assignment 10: retirement Current wealth ($) Risk-free rate Parameters of risky investment Expected annual return Standard deviation of return Proportion invested in risky Safety cushion Annual withdrawal 1,000,000 6% 8% 20% 70% 3 150,000 Year 1 Balance beginning of year Invested in Invested in risky bonds Ret. on risky fund Balance end of year bf withdrawal withdrawal Left at end of 10 years Suppose you retire with $1million at age of 65. You plan to invest your retirement into a mixture of a riky fund and a fixed income fund, where the return of the risky fund follows a normal distribution. You plans to withdraw $150,000 at the end of every year from this accout. To prevent overwithdrawal at the end, you put a safety cushion of 3 If balance of the retirement fund at the end of year, before annual withdrawal is less than 3 times the planned annual withdrawal amount, you withdraw one-third of the remaining balance. (Hint: use IF function) Assignment 10: retirement Current wealth ($) Risk-free rate Parameters of risky investment Expected annual return Standard deviation of return Proportion invested in risky Safety cushion Annual withdrawal 1,000,000 6% 8% 20% 70% 3 150,000 Year 1 Balance beginning of year Invested in Invested in risky bonds Ret. on risky fund Balance end of year bf withdrawal withdrawal Left at end of 10 years