How is your portfolio performing?
Posted on July 3, 2026

I’m seven months into my 12-month year that I use to calculate our Safe Spending Amount for the upcoming calendar year. (SSA, Nest Egg Care (NEC) I usually take a hard look at the end of July, but I calculate at the end of every month. We have earned ~8.3% real return so far. We are on track for a real increase of ~7.9% for our spending in 2027. You are on track for a real increase, too.

A lot can happen in five months, however!

Detail:

Our real portfolio return for seven months through June is 8.26%. I assume annual inflation of 4.6%.

Our SSA calculates to 7.9% real increase. Our increase is high relative to the real increase in our portfolio because of the jump in our applicable Safe Spending Rate (SSR%, Chapter 2, NEC.)

You can download my spreadsheet here.

Conclusion: Our portfolio is +8% real return for the seven months starting December 1. We’re on track for a real increase in our Safe Spending Amount for 2027.

If your portfolio is similar to ours, you also track to a real increase for 2027.