Search found 34 matches

by mountainsoft
Sun Nov 17, 2019 8:00 pm
Forum: Dealing with real world situations
Topic: How to Model Selective Withdrawals
Replies: 1
Views: 232

How to Model Selective Withdrawals

Let's say I have 60% of my portfolio in stocks (maybe VTSAX) and 40% in bonds (VBTLX). Is there a way to model selling only the bonds when the stock market has a major decline? Then rebalance when the market recovers?
by mountainsoft
Fri Oct 05, 2018 5:43 pm
Forum: Simulation mechanics, assumptions, and inputs
Topic: Manually Set Start Date?
Replies: 2
Views: 1109

Re: Manually Set Start Date?

Yeah, I tried that, but couldn't wrap my head around the differences between real ages and future ages. Oh well, next year will be here soon enough. :)
by mountainsoft
Fri Oct 05, 2018 5:32 pm
Forum: Simulation mechanics, assumptions, and inputs
Topic: Manually Set Start Date?
Replies: 2
Views: 1109

Manually Set Start Date?

Is there any way to manually set the start date for the simulation?

It seems FRP always starts with the current date. I couldn't figure out a way to run simulations in the future with account values I expected at that time (instead of what FRP calculates from todays values)
by mountainsoft
Tue Sep 04, 2018 12:05 am
Forum: Simulation mechanics, assumptions, and inputs
Topic: Set a Minimum Balance for Taxable Savings?
Replies: 12
Views: 2281

Re: Set a Minimum Balance for Taxable Savings?

I don't understand the intricate details of the internal functions, but my results seem to be spot on with the previous version. So, I suppose that's a good thing. Thanks for the ongoing support! FRP is still the best retirement planning software I have used.
by mountainsoft
Mon Sep 03, 2018 10:30 am
Forum: Simulation mechanics, assumptions, and inputs
Topic: Set a Minimum Balance for Taxable Savings?
Replies: 12
Views: 2281

Re: Set a Minimum Balance for Taxable Savings?

Do you have assets in your tax deferred and tax free portfolios in addition to the taxable portfolio? I don't have a tax free portfolio, but I do have tax deferred with $6480 added annually (traditional IRA). I specified a custom 6% return with 6% deviation on the main screen (lower than what I'm a...
by mountainsoft
Mon Sep 03, 2018 12:42 am
Forum: Simulation mechanics, assumptions, and inputs
Topic: Set a Minimum Balance for Taxable Savings?
Replies: 12
Views: 2281

Re: Set a Minimum Balance for Taxable Savings?

You can specify separate rates of return for taxable, tax deferred, and tax free accounts using additional inputs. That said, I recommend extreme caution in using this feature because there are some subtleties in setting this up that might not be obvious. We have a high interest online savings acco...
by mountainsoft
Mon Aug 27, 2018 6:00 pm
Forum: Simulation mechanics, assumptions, and inputs
Topic: Set a Minimum Balance for Taxable Savings?
Replies: 12
Views: 2281

Re: Set a Minimum Balance for Taxable Savings?

Since gains are calculated before savings are added back in, I think you won't get 'credit' for earnings on your taxable savings. Out of curiosity, instead of changing the Annual Retirement Spending on the main screen, could it be done by adding a negative value (-5000) for tax deferred, and a posi...
by mountainsoft
Mon Aug 27, 2018 2:18 pm
Forum: Simulation mechanics, assumptions, and inputs
Topic: Set a Minimum Balance for Taxable Savings?
Replies: 12
Views: 2281

Re: Set a Minimum Balance for Taxable Savings?

Are you using separate rates of returns for taxable vs tax deferred? Yes, 6% return with 6% deviation on the main screen for the tax deferred, then a 1.6% return with 0% deviation on the additional inputs screen for the taxable savings. I edited my original post to add a workaround. Does that sound...
by mountainsoft
Mon Aug 27, 2018 1:25 pm
Forum: Simulation mechanics, assumptions, and inputs
Topic: Set a Minimum Balance for Taxable Savings?
Replies: 12
Views: 2281

Set a Minimum Balance for Taxable Savings?

My taxable savings is a regular savings account that we plan to keep about 2-3 years worth of money in for living expenses, refilling from my tax deferred savings (IRA) as needed. Since FRP withdraws from taxable first, it completely empties my taxable savings before moving on to my IRA. Is there an...
by mountainsoft
Fri Aug 24, 2018 8:04 pm
Forum: Dealing with real world situations
Topic: Annual Transfer From IRA to Savings?
Replies: 2
Views: 1110

Re: Annual Transfer From IRA to Savings?

I see now why this was too good to be true. I modeled this with two separate additional inputs, one deducted 15K from the IRA, the other added 15K to Savings. Of course, the second input kept adding 15K to savings even when there was no more money in the IRA to get it from. Free money! :) Doing this...