Search found 33 matches

by FRPJunkie
Wed Jun 14, 2017 10:04 am
Forum: General questions and comments
Topic: What's the right number for inflation and inflation standard deviation?
Replies: 4
Views: 7898

Re: What's the right number for inflation and inflation standard deviation?

If ever there was a question for which nobody has an answer, this is probably it. But inflation is either enemy #1 or close to it for retirement planning from what I can tell. I use an average and standard deviation of consumer price index numbers back to the early 1990s -- 2.7% average and 1.1% st...
by FRPJunkie
Tue Jun 13, 2017 1:46 pm
Forum: General questions and comments
Topic: Social Security consideration
Replies: 2
Views: 2546

Re: Social Security consideration

I would expect it to do the flexible retirement planner considers Social Security income and increases it with a cost-of-living an allowance. The flexible retirement planner increases the social security benefit both before it is actually taken and after. At least this is what I think I see in the ...
by FRPJunkie
Wed May 31, 2017 8:18 pm
Forum: General questions and comments
Topic: possible to track home equity?
Replies: 1
Views: 1836

possible to track home equity?

Jim, is it possible to set up the planner to track a "portfolio" of home equity, as if it's an investment? For example, let's say I owe $300,000 on a loan with an interest rate of 3%. Is there a way to add this to FRP such that it tracks the increase in my portfolio as principal is paid down on the ...
by FRPJunkie
Sat Feb 18, 2017 9:55 am
Forum: General questions and comments
Topic: Returns: nominal or adjusted?
Replies: 6
Views: 6600

Re: Returns: nominal or adjusted?

Makes sense, thanks Jim!
by FRPJunkie
Fri Feb 17, 2017 1:31 pm
Forum: General questions and comments
Topic: Returns: nominal or adjusted?
Replies: 6
Views: 6600

Re: Returns: nominal or adjusted?

I think maybe a source of confusion is that the detailed view shows all dollar amounts in present value (2017) dollars. The inflation rate and the rate of return are very interlinked, but inflation can also have an impact on a retirement plan that's independent of the rate of return. The main examp...
by FRPJunkie
Thu Feb 16, 2017 4:56 pm
Forum: General questions and comments
Topic: Returns: nominal or adjusted?
Replies: 6
Views: 6600

Re: Returns: nominal or adjusted?

The returns are nominal. So an 8% return with a 3% inflation rate is equivalent to a 6% return with a 1% inflation rate. Jim, if that's the case then what (if anything) is the effect/purpose of entering an inflation rate on the main screen? Are you saying that the rates and returns that are output ...
by FRPJunkie
Thu Feb 16, 2017 7:26 am
Forum: General questions and comments
Topic: Returns: nominal or adjusted?
Replies: 6
Views: 6600

Returns: nominal or adjusted?

If one enters an inflation rate and standard deviation on the main screen, are the projected returns nominal or are they inflation adjusted? I realize they are in current dollars.
by FRPJunkie
Sun Nov 06, 2016 4:32 pm
Forum: Problems installing and running the program
Topic: How to run standalone app on MacOS Sierra
Replies: 1
Views: 5523

How to run standalone app on MacOS Sierra

I am having trouble getting the app to launch. I've installed Java. When I launch the application it seems to be running (title bar, FRP Menu) but there is nothing showing up on the screen and no option for opening a file. When I try to launch my .frp file (copied from an older machine) it won't lau...
by FRPJunkie
Sun Sep 18, 2016 4:06 pm
Forum: General questions and comments
Topic: Calculating future value...help!
Replies: 3
Views: 2807

Re: Calculating future value...help!

Thanks! And one more question: In the field that says "Income tax rate" I assume this refers to the tax rate during retirement(?) If this is the case, what is this referring to if one has no earned income in retirement? In other words, if the "Annual Retirement Income" field is blank, the income tax...
by FRPJunkie
Sat Sep 17, 2016 7:19 am
Forum: General questions and comments
Topic: Calculating future value...help!
Replies: 3
Views: 2807

Calculating future value...help!

FRP shows all future amounts in today's money.

For example, if I plan to retire in 13 years, the planner shows the expected value of my portfolio upon retirement as $1.8m, in current dollars.

How do I see what the actual, inflated amount is?