Investment Policy: How Much Do You Need to Make for Retirement Formula Please recall our discussions about the formula for calculating the return needed during retirement. There are various assumptions associated with it. There are also adjustments you can make if you cannot earn the returns needed. Based on our discussions, which of the following is FALSE? If investment returns are lower during the retirement years, then the percent one can spend during retirement (cell B5) needs to be lower If the return needed is too high, one may have to delay retirement If the return needed is too high, then the person may have to save more The formula assumes that one is continuously adding to the portfolio with contributions each year until retirement We assume that we need less income in retirement than during working years because we no longer have a mortgage The formula assumes a person has no other sources of income in retirement besides the investment assets Investment Policy: How Much Do You Need to Make for Retirement Formula Please recall our discussions about the formula for calculating the return needed during retirement. There are various assumptions associated with it. There are also adjustments you can make if you cannot earn the returns needed. Based on our discussions, which of the following is FALSE? If investment returns are lower during the retirement years, then the percent one can spend during retirement (cell B5) needs to be lower If the return needed is too high, one may have to delay retirement If the return needed is too high, then the person may have to save more The formula assumes that one is continuously adding to the portfolio with contributions each year until retirement We assume that we need less income in retirement than during working years because we no longer have a mortgage The formula assumes a person has no other sources of income in retirement besides the investment assets