Search found 79 matches

by admin
Fri Feb 29, 2008 2:27 pm
Forum: General questions and comments
Topic: Are retirement withdrawal amounts adjusted for inflation?
Replies: 1
Views: 2837

Re: Are retirement withdrawal amounts adjusted for inflation?

Thanks for the kind words on the planner. The short answer is that the amount is adjusted for inflation. All amounts on the main input tab are represented in present (2006) dollars and are automatically adjusted for inflation. For example, if you enter an expense amount of $50,000 that starts in 202...
by admin
Fri Feb 29, 2008 2:24 pm
Forum: General questions and comments
Topic: Are retirement expense amounts adjusted for inflation?
Replies: 3
Views: 4409

Re: Are retirement expense amounts adjusted for inflation?

I am not terribly familiar with standard deviation-know I should be, but frankly am not. I am a fairly conservative investor and in fairly good shape for retirement. If I choose a rate of return of about 6.0, what standard deviations would be appropriate? I suspect that is not a terrible fair quest...
by admin
Fri Feb 29, 2008 2:21 pm
Forum: General questions and comments
Topic: Are retirement expense amounts adjusted for inflation?
Replies: 3
Views: 4409

Re: Are retirement expense amounts adjusted for inflation?

Hello, The amount you enter for "Annual Retirement Expenses" on the main input panel is adjusted for inflation. The reason that the results tab shows a fixed amount for each year is because all the values displayed in that table are in present value (inflation adjusted) dollars. As far as accuracy g...
by admin
Fri Feb 29, 2008 2:16 pm
Forum: General questions and comments
Topic: How do I handle taxes on withdrawals I make at retirement?
Replies: 3
Views: 4241

Re: How do I handle taxes on withdrawals I make at retirement?

Now I think I understand your question. In the case you describe, yes, you could make an adjustment to the tax rate to make it work out correctly. This raises an important issue w.r.t taxes in the planner. Your example demonstrates nicely that the planner can give only a very rough guestimate on tax...
by admin
Fri Feb 29, 2008 2:14 pm
Forum: General questions and comments
Topic: How do I handle taxes on withdrawals I make at retirement?
Replies: 3
Views: 4241

Re: How do I handle taxes on withdrawals I make at retirement?

Hi, I'm not sure I fully understand your question about taxes but I'll take a shot at it. If your assets are in a tax deferred IRA, annual withdrawals are typically taxed at your income tax rate. If the IRA is a ROTH, then the withdrawals are tax free (and you can enter it as a tax-free IRA in the p...
by admin
Fri Feb 29, 2008 2:07 pm
Forum: General questions and comments
Topic: Problem with input parsing on non-US operating systems
Replies: 2
Views: 3414

Re: Problem with input parsing on non-US operating systems

Hello, Thanks for bringing this to my attention. I made a change for another user recently and apparently I didn't test out the change well enough. I've posted an updated version of the planner that should fix the issue. You may need to close your browser to flush the old version of the planner out ...
by admin
Fri Feb 29, 2008 1:58 pm
Forum: General questions and comments
Topic: How do the additional inputs get applied to the simulation?
Replies: 1
Views: 2980

Re: How do the additional inputs get applied to the simulation?

Hello, The information you enter on the additional inputs tab is automatically applied to the model. You shouldn't need to do anything special. After you run the simulation, you might want to look at table on the "Detailed View" tab to verify that the year-to-year simulation inputs are what you expe...
by admin
Fri Feb 29, 2008 1:54 pm
Forum: Dealing with real world situations
Topic: Where do I put social security income?
Replies: 1
Views: 4236

Re: Where do I put social security income?

Hello, Using the annual retirement income field to enter your social security is reasonable to do. Just be aware that the "Annual Retirement Income" amount is assumed to be fully taxable, and your social security payments may or may not be taxable depending on your circumstances. If you know how muc...
by admin
Fri Feb 29, 2008 1:02 pm
Forum: General questions and comments
Topic: What is "taxable percent" on the additional input panel for?
Replies: 1
Views: 2640

Re: What is "taxable percent" on the additional input panel for?

Ron, Thanks for trying out the planner... The taxable percent box under the additional income cash flow section allows you to specify what percent of the income amount is subject to income taxes. Each year, the taxable part of the cash flow will be reduced by the income tax rate that's in effect for...