What does your portfolio
actually need to earn?
Enter four numbers. We calculate your Required Return and send you a personalized one-page analysis — your number, what it means, and what to do next.
87%
of pre-retirees cannot state the annual return their portfolio needs to fund their retirement.
Most
advisors build portfolios around risk tolerance questionnaires — not around what your money actually needs to do.
One
number changes everything: your Required Return. It connects your current assets to your retirement income goal.
Enter your numbers.
Use your total investable assets — retirement accounts, brokerage accounts, savings. Exclude your primary residence and any assets you do not plan to draw from.
401(k), IRA, brokerage — not your home
In today's dollars, from your portfolio only
Enter 0 if you are already retired
How long your portfolio needs to last
For educational purposes only. Not a projection or guarantee of investment results. Rulicent Investments, LLC is a registered investment adviser in Oklahoma.
Most advisors never ask this question.
The standard approach to retirement planning begins with a risk tolerance questionnaire. Based on your answers, you receive a portfolio — conservative, moderate, or aggressive — and are told to hold it through every market condition.
The problem is that this approach is built around your emotional comfort with volatility, not around what your portfolio actually needs to achieve. Your Required Return is the number that connects your current financial reality to your retirement goal.
Once you know your Required Return, the strategic question becomes clear: does your current approach have a realistic probability of delivering it — and what happens if markets deliver a poor sequence of returns in the years surrounding your retirement?
Rulicent's rules-driven approach is built around this number. SectorPulse™ and BondPulse™ adapt your portfolio's positioning in response to market conditions — not to chase returns, but to protect the path to your Required Return.
Know your number.
Build a strategy around it.
A complimentary portfolio evaluation with Rulicent begins with your Required Return and works backward to determine whether your current strategy can deliver it.
Request a Portfolio Evaluation