Annuity Planning · Tool 15 of 12
Bucket Strategy Builder
Three-bucket strategy with annuities as the guaranteed-income layer feeding the cash bucket. Configure cash and bond bucket sizes; engine derives equity allocation, blended return, and refill cycle.
Bucket allocation
Cash
$80,000
5.3% of total
Bonds / MYGA
$320,000
21.3% of total
Equity
$1,100,000
73.3% of total
$80k
$320k
$1,100k
Cash
Bonds / MYGA
Equity
Allocation across the three buckets. Equity bucket has the most upside and the most volatility; cash and bonds are the volatility absorbers.
Cash flow design
Annual spending gap (after guaranteed income): $40,000.
Cash covers 2 years of gap. Bonds cover the next 8. Equity is the long-horizon growth bucket; the rebalancing rules keep it from being sold in down years.
Blended portfolio return at target allocation: 6.1%. Refill cycle: bonds rotate to cash every 2 years; equity rotates to bonds whenever it's outperforming.