Search found 596 matches

by jimr
Fri Sep 18, 2020 8:06 am
Forum: Announcements
Topic: FRP version 4.3 released with user settable RMD start age
Replies: 0
Views: 31

FRP version 4.3 released with user settable RMD start age

Download Page: https://www.flexibleretirementplanner.com/wp/download/ 07/10/2020 04.03.03 - Added control to show age instead of calendar year on x-axis of results graph - Added columns to detailed view for tax on income and total tax paid (right-click column header to show) - Fixed calculation used...
by jimr
Mon Sep 07, 2020 8:38 pm
Forum: General questions and comments
Topic: Asset Allocation Models - Return and Standard Deviation
Replies: 7
Views: 328

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
by jimr
Mon Sep 07, 2020 8:06 am
Forum: General questions and comments
Topic: Asset Allocation Models - Return and Standard Deviation
Replies: 7
Views: 328

Re: Asset Allocation Models - Return and Standard Deviation

Thanks for doing the digging over at bogleheads.org and for following up with this info. Simba's spreadsheet looks like it'd be a great tool for this sort of analysis. I hadn't looked at it in a while. They've really beefed it up over the years and it's great that they seem to be keeping the data cu...
by jimr
Sun Sep 06, 2020 1:57 pm
Forum: General questions and comments
Topic: Asset Allocation Models - Return and Standard Deviation
Replies: 7
Views: 328

Re: Asset Allocation Models - Return and Standard Deviation

Anyone with an answer should feel free to respond, but since this forum is viewed mostly by people looking for answers to questions about the planner, the traffic is relatively light. You might get a better response to your question by posting at a site like bogleheads.org at https://www.bogleheads....
by jimr
Sun Sep 06, 2020 10:00 am
Forum: General questions and comments
Topic: Using Goal Seek but limiting withdrawal percent
Replies: 5
Views: 255

Re: Using Goal Seek but limiting withdrawal percent

FRPJunkie wrote:
Sat Sep 05, 2020 6:45 pm
I think part of the point is that I want to leave more of a legacy rather than spend, say, 50% of my portfolio.
One way to explore this is to create a single year "other expense" in the last year of the plan. Set the amount of the expense to the amount you'd like to leave behind.
by jimr
Sat Sep 05, 2020 6:31 pm
Forum: General questions and comments
Topic: Using Goal Seek but limiting withdrawal percent
Replies: 5
Views: 255

Re: Using Goal Seek but limiting withdrawal percent

Thanks. So the way your retirement income is staged is going to force your portfolio withdrawals to be very lumpy. This makes more sense now. I don't quite understand why a few years with a high withdrawal percent is a problem. If it was me, I'd probably be inclined to seriously lower portfolio risk...
by jimr
Sat Sep 05, 2020 10:55 am
Forum: General questions and comments
Topic: Using Goal Seek but limiting withdrawal percent
Replies: 5
Views: 255

Re: Using Goal Seek but limiting withdrawal percent

I'm a little confused about why you're seeing such a high withdrawal rate in some years. Assuming you're targeting a 90ish percent probability of success, the planner wouldn't be likely to draw down the portfolio to zero. This is because it'd be tough to target such a complete spend-down while still...
by jimr
Fri Aug 21, 2020 8:13 pm
Forum: General questions and comments
Topic: Inflation Adjustment Question
Replies: 1
Views: 180

Re: Inflation Adjustment Question

Yes. Assuming you choose the "track inflation" option when you create the cash flow in Additional Inputs the amount you enter will be annually adjusted for inflation, both before it begins as well as after it starts. In general, you can verify how the planner is handling a cash flow by looking at th...
by jimr
Wed Aug 19, 2020 4:33 pm
Forum: General questions and comments
Topic: Detailed view - taxes on portfolio growth seem wrong
Replies: 7
Views: 1012

Re: Detailed view - taxes on portfolio growth seem wrong

Regarding the formula for Tax on portfolio growth as showed on the Support Forum : Taxes on growth = (ending portfolio value / (1 + (return * (1 - tax rate))) * return * tax rate Is the “return” in the formula the Investment return before inflation is taken into account? Or after? Keep in mind that...
by jimr
Mon Aug 17, 2020 7:54 am
Forum: General questions and comments
Topic: When is "current age" calculated?
Replies: 5
Views: 295

Re: When is "current age" calculated?

Sorry, but unfortunately there isn't an option that does this. Everything is always shown in today's value dollars.