Search found 706 matches

by jimr
Mon May 10, 2021 10:53 pm
Forum: General questions and comments
Topic: How to Specify Withdrawal Rate
Replies: 8
Views: 39

Re: How to Specify Withdrawal Rate

That sounds correct based on what you've indicated.
by jimr
Mon May 10, 2021 10:47 pm
Forum: General questions and comments
Topic: How to Specify Withdrawal Rate
Replies: 8
Views: 39

Re: How to Specify Withdrawal Rate

It shouldn't include the amount withdrawn from investments. All portfolio withdrawals are handled automatically by the simulation logic, based on the amount of spending you say you need. The simulation model assumes that all investment income is reinvested back into the portfolio.
by jimr
Mon May 10, 2021 10:34 pm
Forum: General questions and comments
Topic: How to Specify Withdrawal Rate
Replies: 8
Views: 39

Re: How to Specify Withdrawal Rate

The Annual Retirement Income input is in addition to anything you enter in additional inputs. You can verify this by looking in the detailed view tab, By default the table in that view shows the after tax income, but if select the "show more details" radio button on the top right, then rig...
by jimr
Mon May 10, 2021 6:26 pm
Forum: General questions and comments
Topic: How to Specify Withdrawal Rate
Replies: 8
Views: 39

Re: How to Specify Withdrawal Rate

The planner doesn't let you set a specific withdrawal rate. The reason is that if the annual portfolio withdrawal was done as a straight percent of the remaining portfolio value, then the portfolio could never run out of money and the resulting probability of success would always be 100%. Instead, t...
by jimr
Mon May 10, 2021 6:10 pm
Forum: General questions and comments
Topic: Question regarding the calculation logic
Replies: 6
Views: 363

Re: Question regarding the calculation logic

First, the code for the flexible and conservative spending policies is identical, except that with the conservative policy, the percent of expenses funded can't go over100%. When I first envisioned these spending policies, I thought there would be a big difference between the flexible and conservati...
by jimr
Sun Apr 25, 2021 4:38 pm
Forum: Problems installing and running the program
Topic: Text issues in Additional Inputs
Replies: 3
Views: 173

Re: Text issues in Additional Inputs

Also, it looks like the font that's used in the additional input tables is "Lucida Sans Oblique"

I have no idea why I used that font, but that's what it is and I believe it should be an available font in Java.
by jimr
Sun Apr 25, 2021 4:30 pm
Forum: Problems installing and running the program
Topic: Text issues in Additional Inputs
Replies: 3
Views: 173

Re: Text issues in Additional Inputs

What version of Java are you using? It may have to do with your system's default fonts or it could have something to do with the display resolution. If you have a high-dpi display, it might be worth experimenting with "Configure->Configure Display Scaling" and adjusting the scaling. Jim
by jimr
Sat Apr 17, 2021 1:14 pm
Forum: General questions and comments
Topic: How to model home in FRP
Replies: 2
Views: 180

Re: How to model home in FRP

If the plan is to stay in the home until the end of the plan, there's really no benefit from including the home in the home since there won't be any cash flows from it. OTOH, if you plan to downsize to a smaller home or apartment later in retirement, the best approach is usually to create a one-year...
by jimr
Fri Apr 09, 2021 5:59 pm
Forum: General questions and comments
Topic: Withdraw from a specific account
Replies: 1
Views: 152

Re: Withdraw from a specific account

You could use a negative savings cash flow out of the desired portfolio, but you have to understand that this is a hack that short circuits the normal expense handling code of the simulation. Also, if you're taking the withdrawal from a tax deferred account, you'll need to create a separate expense ...
by jimr
Thu Apr 08, 2021 5:51 pm
Forum: General questions and comments
Topic: Roth Conversions as 1st class citizens!
Replies: 4
Views: 374

Re: Roth Conversions as 1st class citizens!

Glad to hear it. Thanks for posting the suggestion.