Search found 5 matches

by Steve
Thu May 02, 2019 1:01 am
Forum: General questions and comments
Topic: % Expenses funded
Replies: 4
Views: 4520

Re: % Expenses funded

Hi Jim, I am curious as to what these values mean and how they effect my decision making. I am not concerned about you seeing the numbers I am using in this estimation. I am running many scenarios and to you I am just an email address and my results are just numbers to you. I will save this as a pra...
by Steve
Wed May 01, 2019 12:37 am
Forum: General questions and comments
Topic: % Expenses funded
Replies: 4
Views: 4520

Re: % Expenses funded

Hi Jim, thanks for the reply. I must have a preconceived notion that I can't shake based on this column because I am still not following the logic. At one given year I need to withdraw 30k from my portfolio to fund my expected expenses. The % expenses funded is 87%. Go forward a few years and my por...
by Steve
Sat Apr 27, 2019 12:54 am
Forum: General questions and comments
Topic: % Expenses funded
Replies: 4
Views: 4520

% Expenses funded

I am guessing I do not understand how the % expenses funded column in the detailed view is calculated. I am using a flexible spending policy. My expenses are lets say $100K, my after tax income is $90K, I have no withdrawals which makes my withdrawal rate 0. Over a period of 7 years with these numbe...
by Steve
Sun Mar 18, 2018 6:37 pm
Forum: Simulation mechanics, assumptions, and inputs
Topic: Taxes on withdrawals
Replies: 7
Views: 5452

Re: Taxes on withdrawals

Hey Jim, so am I understanding this correctly in that all gains in the taxable portfolio have taxes taken into account within the rate of return that one specifys? That means the planner is assuming you are selling all your gains each year instead of only calculating the tax on what is withdrawn fro...
by Steve
Sun Mar 18, 2018 12:59 am
Forum: Simulation mechanics, assumptions, and inputs
Topic: Taxes on withdrawals
Replies: 7
Views: 5452

Taxes on withdrawals

I am a little puzzled on the "taxes on withdrawals" column in the detail view of the planner. When I retire I will have a taxable portfolio value and a tax free portfolio value. I have percents loaded in the investment tax rates and income tax rates boxes. I have the order of withdrawals to be taxab...