Product solutions · United States · research & education
From your plan to the kinds of tools that serve it
Start with what the plan asks for, see which types of products speak to each need and where each one stops, then read the public numbers — dated and sourced. No rankings, scores or recommendations.
For research and education only. Not investment, tax, insurance or legal advice and not a recommendation of any product; not personalized to you. Numbers are copied from public disclosures as of the dates shown and may contain errors; read the prospectus, contract and terms before acting.
1
What your plan asks for
Every number comes from the plan engine. Where the engine cannot compute yet, the page says so instead of guessing. Example household: an example household living in the US (USD), engine v1.14 — same currency as the US product types below.
REQ.RETURN
A return of about
5.1%a year (nominal, base target)
range no extra return needed – 27.2% · the high end is unrealistic
What the portfolio must earn for the spending target to last.
3 types
REQ.BUFFER
Cash set aside for
0years of spending
none entered in this plan
Money you may need soon should not depend on market prices.
2 types
REQ.RISK
A fall you said you can live with
15.3%at most
example setting — not an answer you gave
Sets how much of the plan can sit in assets whose price moves.
2 types
REQ.NOBORROW
Spending the plan carries without borrowing
$2,607a month (base)
The ceiling the rest of the page is measured against.
1 type
REQ.INCOME · REQ.GAP
Income you cannot outlive
?not computed yet
Engine: survival path (v1.15) built, not yet wired to this screen; accumulation (v1.16) at proposal stage
How much of spending should be covered by income that lasts for life. Shown as unknown, never as zero.
1 type
REQ.MEDICARE · LTC
Health and care costs after 65
?not computed for this household
Engine: US households only; care costs not modeled
Medicare premiums and long-term care can be large; the engine computes Medicare only for US households.
2 types
2
Which kinds of tools speak to each need
Types, not products. Point at a need to trace its lines; select a type to jump to its field guide.
Public numbers shownExplanation onlyA line means “this type is usually discussed for this need” — not a recommendation.
3
Product type guide: what each type does, where it stops, what the public numbers say
Numbers are copied from official sources as published, with the date. Where a source does not allow copying, we link to it instead.
Cash & near-cash
Bank deposits — savings, CDs, MMDAs
Speaks to: Cash set aside
What it does for the plan
Holds the cash set aside, with FDIC insurance per bank.
Where it stops
Rates change and usually trail inflation over long periods; coverage is per bank and per ownership category.
According to the FDIC, deposits are insured to at least $250,000 at each FDIC-insured bank; mutual funds, annuities, life insurance, stocks, bonds and crypto assets are not covered.FDIC · checked 2026-10-16
No public source for individual bank-product rates was found, so no bank rows are shown.
Short loans to the U.S. government (4 to 52 weeks) — another place for the cash set aside.
Where it stops
Not bank deposits; the rate resets each time you roll over.
Each mark is one recent auction's published rate at its term (log scale). ◆ = TIPS real yield, not comparable with nominal ●. Position is the published value, not a grade.
Speaks to: Required returnSpending without borrowing
What it does for the plan
The principal follows inflation, so the real part of the required return is protected.
Where it stops
The yield is real (after inflation) and not comparable with nominal yields; prices move before maturity.
TreasuryDirect says TIPS are sold for 5, 10 or 30 years; the principal rises with inflation and falls with deflation, and at maturity you receive the higher of the adjusted or the original principal.TreasuryDirect · checked 2026-10-16
Each mark is one recent auction's published rate at its term (log scale). ◆ = TIPS real yield, not comparable with nominal ●. Position is the published value, not a grade.
Fixed interest for 2 to 30 years — locks part of the required return in advance.
Where it stops
The market price falls when rates rise if you sell before maturity.
Each mark is one recent auction's published rate at its term (log scale). ◆ = TIPS real yield, not comparable with nominal ●. Position is the published value, not a grade.
2026 Q2 data set; forms 497 / 485BPOS; registrant name without VARIABLE, SEPARATE ACCOUNT, INSURANCE, LIFE or ANNUIT; both expense fields present; first 3 filings in accession → series → class order, up to 3 classes each.
Pays toward help with daily activities if it is needed later.
Where it stops
Benefits depend on eligibility triggers, waiting periods and caps written in the policy.
LongTermCare.gov notes that about 60 percent of people will need some help with daily activities such as getting dressed.LongTermCare.gov (ACL) · checked 2026-10-16
We do not hold or compare insurance products. If you already have a quote, run plain arithmetic on it below — in your browser only.
Computed in your browser only — nothing is stored or sent. Refreshing the page clears it.
E1Payout rate (annual payout ÷ premium — not a return)
E2Break-even age (nominal)
E3Break-even age (present value)
E4Cumulative payout at 85 / 90 / 95 / 100 — no mortality weighting
E9LTC benefit pool · total premium
E10Medigap yearly premium
Needs the engine — not yet reflected: real payout path (E5), share of income need covered (E6), plan before vs after (E7), tax by account type and QLAC limit check (E8).
6
What is current — and how it stays current
9 Up to date
Up to date = updated within its check cycle; due = past the cycle; out of date = past its stale limit. Judged against the build date 2026-10-19, not your clock. If an update fails, the last good values stay on screen with a red mark.
Bar = check cycle (green) · grace (amber) · out of date (red); the line is the build date.