Search found 15 matches

by target2019
Fri Apr 02, 2021 8:30 am
Forum: General questions and comments
Topic: Modeling Roth conversions
Replies: 41
Views: 745

Re: Modeling Roth conversions

Thanks Jim.
I realize I don't know enough accounting and will try to understand the workings of FRP better.
I was confused by the labels on some columns as they suggest some relation to US tax forms. But I was making an assumption there.
by target2019
Wed Mar 31, 2021 9:01 am
Forum: General questions and comments
Topic: Modeling Roth conversions
Replies: 41
Views: 745

Re: Modeling Roth conversions

I'm using the 04.04.01 beta, and ran 3 different cases. One has 0k conversion, other two are 20K and 40K. For each case I run, and then look at Detail with All Columns Unhidden. I see the correct amount of Roth conversion and taxes in each case. But the Total Income and Taxable Income do not change....
by target2019
Sun Mar 28, 2021 7:46 pm
Forum: General questions and comments
Topic: Modeling Roth conversions
Replies: 41
Views: 745

Re: Modeling Roth conversions

Oh, that makes sense. So then additional input entries for tax rates need to be net effective rates then? Yes. That's correct. All the tax rates used by the planner are effective or average tax rates. The planner doesn't understand the concept of marginal tax rates. Thanks for adding a new feature ...
by target2019
Wed Mar 03, 2021 2:44 pm
Forum: General questions and comments
Topic: Column descriptions for Detailed View Table?
Replies: 4
Views: 161

Re: Column descriptions for Detailed View Table?

:geek: Maybe this can help someone. To better understand the columns and descriptions, I copied the detailed view and pasted that into a spreadsheet. Above each column in the spreadsheet I added a trimmed down description from the online help. For example, above "Median Portfolio Value" I ...
by target2019
Thu Feb 18, 2021 9:34 am
Forum: General questions and comments
Topic: RMD for those attaining age 701/2 after 12.31.2019
Replies: 5
Views: 253

Re: RMD for those attaining age 701/2 after 12.31.2019

There is a potential problem! If you wait until the following year, you end up with two RMDs (72 and 73). That could mess up your Roth conversion strategy, etc. Just an FYI... Mirroring the option available under current rules, individuals will be able to timely distribute their first RMD at any tim...
by target2019
Fri Jan 01, 2021 11:52 am
Forum: General questions and comments
Topic: Best Practice for New Year
Replies: 1
Views: 257

Best Practice for New Year

Happy New Years, everyone. Is there a best practice to starting a new year in FRP? I'll copy previous file to a 2021 version, just in case, but then I'm guessing about what to change. Some things are obvious (I hope): - Current Age will go up by 1 year. - Taxable, Tax Deferred and Tax Free portfolio...
by target2019
Tue Nov 24, 2020 8:37 am
Forum: General questions and comments
Topic: reduced expected return
Replies: 5
Views: 795

Re: reduced expected return

This is an area where sensitivity analysis might be helpful. There's an option in sensitivity analysis to have one sensitivity parameter be return and the other one be standard deviation (I think it's the last item in the drop down). This should give you a visual display of how your plan fares unde...
by target2019
Thu Sep 10, 2020 2:50 pm
Forum: General questions and comments
Topic: Asset Allocation Models - Return and Standard Deviation
Replies: 7
Views: 1776

Re: Asset Allocation Models - Return and Standard Deviation

Target2019 - I mistakenly thought you were the OP. I just realized you're something of a regular around here. Double thanks for jumping into this thread with such a great answer. - Jim I may be an OP, but I am not the OP! The Simba Backtesting sheet has always seemed useful since one can farm the d...
by target2019
Mon Sep 07, 2020 12:09 pm
Forum: General questions and comments
Topic: Asset Allocation Models - Return and Standard Deviation
Replies: 7
Views: 1776

Re: Asset Allocation Models - Return and Standard Deviation

You're welcome, Jim and others. I downloaded version 19d of the spreadsheet and set it to 35/15/45/5 (US/Intl/TBM/Cash) -- my version of 50/50 allocation. Nominal growth 1970-2019 was 8.72%. Real growth (after inflation) was 4.63%. Being a pessimist I am using Real growth *and* inflation of 3% in FR...
by target2019
Sun Sep 06, 2020 5:46 pm
Forum: General questions and comments
Topic: Asset Allocation Models - Return and Standard Deviation
Replies: 7
Views: 1776

Re: Asset Allocation Models - Return and Standard Deviation

Below is URL for a thread and link to historical backtesting spreadsheet. https://www.bogleheads.org/forum/viewtopic.php?f=10&t=2520 The tab named Analyze_Portfolio will give you CAGR and STDEV for a custom portfolio you specify. Just realized the download link at top of the linked thread is not...