Search found 848 matches
- Wed Sep 25, 2024 6:11 pm
- Forum: General questions and comments
- Topic: Adjusted Cost Basis
- Replies: 4
- Views: 93
Re: Adjusted Cost Basis
It might be interesting to use sensitivity analysis to vary the investment tax rate, perhaps between an unrealistically low rate and an unrealistically high rate. This would give you at least a rough idea of how much the imprecision in investment tax handling might impact the plan's overall results.
- Wed Sep 25, 2024 4:59 pm
- Forum: General questions and comments
- Topic: Adjusted Cost Basis
- Replies: 4
- Views: 93
Re: Adjusted Cost Basis
But when I will model my retirement, most of the money in the taxable account is not taxable since it was the original investment. Only the gains are taxed, and they are only taxed at a %, and then basically taxed as income. The model carries the taxable portfolio at a 100% cost basis throughout th...
- Wed Sep 25, 2024 7:57 am
- Forum: General questions and comments
- Topic: Is Pension plan the same as retirement plan?
- Replies: 1
- Views: 42
Re: Is Pension plan the same as retirement plan?
The cash flow names in the additional inputs window are mostly just labels to make it easier to track what each cash flow is for if you've created a bunch of them. The Misc Income, Pension, and Annuity cash flows all work the same way inside the simulation. Social Security is mostly the same, but th...
- Thu Sep 05, 2024 4:48 pm
- Forum: General questions and comments
- Topic: Spend to Zero
- Replies: 1
- Views: 4734
Re: Spend to Zero
FRP isn't really "trying" to have a positive portfolio value at the end of the plan. It just works out that a plan with a high probability of success is very likely to have a large portfolio balance at the end. In a sense, the large ending portfolio value gives the plan the cushion that al...
- Sun Aug 25, 2024 3:00 pm
- Forum: General questions and comments
- Topic: Spouse's Death Simulation
- Replies: 1
- Views: 7371
Re: Spouse's Death Simulation
The first step would be to list all the changes in cash flows that you expect (both income and expense cash flows). Next, identify if there would be any changes in assets that would need to be accounted for. Once you know what the cash flows would look like, you can use the lower table in additional...
- Fri Aug 23, 2024 4:36 pm
- Forum: General questions and comments
- Topic: having to update retirement age and current age
- Replies: 1
- Views: 7036
Re: having to update retirement age and current age
Sorry, but you have to manually update your inputs whenever your circumstances change, even if the change is predictable like aging an extra year or adjusting your initial spending amounts for inflation that happened during the year. There's no code in the planner to do any of this automatically.
- Wed Jul 31, 2024 11:05 am
- Forum: General questions and comments
- Topic: IUL - Indexed Universal Life Cash Value Illustration
- Replies: 1
- Views: 7317
Re: IUL - Indexed Universal Life Cash Value Illustration
Unfortunately, the planner's model groups all assets into three portfolio buckets (taxable, tax deferred, tax free). There's no option to track separate assets outside of these three portfolios. Usually you can at least handle the cash flows from these types of assets by creating specific cash flows...
- Wed Jul 31, 2024 10:30 am
- Forum: General questions and comments
- Topic: License Key not provided after providing financial support
- Replies: 2
- Views: 8264
Re: License Key not provided after providing financial support
It looks like it just went out. Please let me know if you didn't get it. Unfortunately, there can be a delay of up to a couple of hours between when the payment goes through and when the license key goes out. I know that's not optimal and I apologize for any inconvenience this causes. If anyone expe...
- Mon Jul 22, 2024 7:05 pm
- Forum: General questions and comments
- Topic: RMD Calculations
- Replies: 15
- Views: 33309
Re: RMD Calculations
Unfortunately, the combined deferred assets thing is just a hard limit in the planner. The more I think about it, the more I think doing special tricks/workarounds on this is more likely to confuse things than to help in the end. The more complicated the plan gets, the higher the chances you'll make...
- Thu Jul 11, 2024 6:45 am
- Forum: General questions and comments
- Topic: Spouse retirement plan and different age
- Replies: 6
- Views: 11755
Re: Spouse retirement plan and different age
That's a great suggestion Red Head. Thx for chiming in with it. - Jim