Search found 79 matches

by admin
Fri Feb 29, 2008 9:44 pm
Forum: Simulation mechanics, assumptions, and inputs
Topic: Questions about how taxable investments are taxed...
Replies: 4
Views: 8593

Re: Questions about how taxable investments are taxed...

Firstly you say portfolio gains each year are taxed by the specified tax rate (eg 15%). Given that a significant percentage of these gains could be capital gains which would only be taxed when the investment is sold, is the simulator ignoring this and just treating all gains as income? Should we ma...
by admin
Fri Feb 29, 2008 9:38 pm
Forum: FRP standalone application
Topic: Great program--2 comments
Replies: 2
Views: 6023

Re: Great program--2 comments

1. Can the calculated models be saved, or can only the input data be saved? Granted, all I have to do is pull up the file and run the scenerios again; nevertheless, it would be nice to be able to save the actual models. The calculated models can't be saved directly, but if you right-click on any of...
by admin
Fri Feb 29, 2008 9:29 pm
Forum: FRP standalone application
Topic: Bug Found in downloaded beta program?
Replies: 8
Views: 13079

Re: Bug Found in downloaded beta program?

Doug,

That was a great writeup. Thanks. (I moved it into the downloadable app forum).

I'll see if I can reproduce it based on the steps you wrote up. If it happens again and it's possible to do a save-as that might give me some additional input.

Jim
by admin
Fri Feb 29, 2008 9:18 pm
Forum: Dealing with real world situations
Topic: Evaluating and annuity (SPIA) with the planner
Replies: 3
Views: 9832

Re: Evaluating and annuity (SPIA) with the planner

Thanks for writing. If I understand your situation correctly, you have various fixed income sources in retirement, some of which don't include COLAs. The planner has a way for you to enter No Cola income on the "additional inputs" tab. I By default all income is adjusted each year to keep up with in...
by admin
Fri Feb 29, 2008 9:15 pm
Forum: General questions and comments
Topic: A question about social security and inflation
Replies: 1
Views: 4305

Re: A question about social security and inflation

The planner expects a "today's dollar" amount. The effects of inflation will be handled internally by the planner. BTW, this is true of all values that you enter into the planner and all values that are output in the planner's results.

Best Regards,

Jim
by admin
Fri Feb 29, 2008 9:13 pm
Forum: General questions and comments
Topic: Having a problem with the additional inputs page
Replies: 4
Views: 5677

Re: Having a problem with the additional inputs page

The spending multiplier default shouldn't need to be changed. It's there for educational purposes more than anything else. If you increase the multiplier you amplify the effects of the flexible spending policy and sometimes that can make it easier to understand what the planner is doing with the spe...
by admin
Fri Feb 29, 2008 9:11 pm
Forum: General questions and comments
Topic: Having a problem with the additional inputs page
Replies: 4
Views: 5677

Re: Having a problem with the additional inputs page

Hello again, I've attached a few screen shots to show an example of how to use the additional inputs tab. Below are the steps. 1) launch the planner 2) click on the "Additional Inputs" tab and enter $1 as the annual amount on the BOTTOM cashflow table (social security starting after retirement). Lea...
by admin
Fri Feb 29, 2008 9:09 pm
Forum: General questions and comments
Topic: Having a problem with the additional inputs page
Replies: 4
Views: 5677

Re: Having a problem with the additional inputs page

Hello, Thanks for the kind words about the planner. I'm not exactly sure what's causing the issue that you're seeing, but I wonder if you're using the "back" button on your web browser to go back to the main page. Doing this will restart the calculator and all values.. Switching between the tabs sho...
by admin
Fri Feb 29, 2008 9:04 pm
Forum: Simulation mechanics, assumptions, and inputs
Topic: Is expected return an arithmetic mean or geometric mean?
Replies: 1
Views: 7879

Re: Is expected return an arithmetic mean or geometric mean?

I wanted to confirm with you that the value that is input for the expected return in your simulator is an annual arithmetic expected return (versus the geometric or compound annual expected return). As an example, an annual return of 8% with a standard deviation of 15% would have an expected compou...
by admin
Fri Feb 29, 2008 9:00 pm
Forum: Dealing with real world situations
Topic: How do I model sale of a house at age 80?
Replies: 2
Views: 5797

Re: How do I model sale of a house at age 80?

I think you may want to use the "Taxable Savings" choice that's also in the additional inputs tab. This option will add the money to the client's taxable portfolio balance in the year they reach the age that you specify. You should also see the amount reported in the "New Investments" column on the ...