Search found 5 matches

by palgup
Tue May 08, 2018 4:22 pm
Forum: General questions and comments
Topic: One Time Savings Deposit?
Replies: 2
Views: 674

Re: One Time Savings Deposit?

If I interpreted your question correctly, this is what I'd try.... I would add a line for taxable savings on the additional inputs screen. Start year = end year, whenever that happens to be. I assume that the interest you'll get in the savings account will be less (and std deviation non-existent) th...
by palgup
Mon Feb 19, 2018 6:48 pm
Forum: General questions and comments
Topic: Spending policies
Replies: 6
Views: 1757

Re: Spending policies

Thanks for the quick reply Jim. I'll try that.
by palgup
Mon Feb 19, 2018 5:33 pm
Forum: General questions and comments
Topic: Spending policies
Replies: 6
Views: 1757

Re: Spending policies

I agree that additional spending policies would be very helpful. I find the conservative and flexible policies completely useless because I want to draw down my portfolio balance every year, which kicks in the trigger to save more $, even though my portfolio balance may actually be in better shape t...
by palgup
Thu Sep 24, 2015 7:44 pm
Forum: Simulation mechanics, assumptions, and inputs
Topic: Suggestion for a new spending policy
Replies: 2
Views: 2576

Re: Suggestion for a new spending policy

Thanks Jim. 15% of my spending is completely discretionary, which is how I came up with the 85% for minimum spending to fund. I tend to do a lot of "what-if" types of simulations. So I can be all over the board. But the values I use most often are: inflation = 2.2% infl std dev = 0 ave return = 6.3%...
by palgup
Thu Sep 24, 2015 5:00 pm
Forum: Simulation mechanics, assumptions, and inputs
Topic: Suggestion for a new spending policy
Replies: 2
Views: 2576

Suggestion for a new spending policy

Jim, this is a fantastic tool. I’ve been playing with the downloadable version for several months. It’s the best retirement tool I’ve found. I have figured out how to model every real life situation that I will face (rising and falling expenses, social security, pensions, inheritance, etc.). The one...