Search found 65 matches

by frp user
Fri Feb 29, 2008 9:12 pm
Forum: General questions and comments
Topic: Having a problem with the additional inputs page
Replies: 4
Views: 6202

Re: Having a problem with the additional inputs page

Thanks Again! I did what your last message said, and it worked perfectly! My Windows XP SP2 system is peculiar only in that my monitor is 19" -- I have to decrease text size to take in a whole page. The calculation page's boxes/text seem to be fixed. These navigation notes are a great clarifier! Is ...
by frp user
Fri Feb 29, 2008 9:08 pm
Forum: General questions and comments
Topic: Having a problem with the additional inputs page
Replies: 4
Views: 6202

Having a problem with the additional inputs page

I appreciate this calculator greatly! It fills a big gap in both thinking and calculating, especially for the recognition of higher-to-lower retirement expenses, and the prevalent models that "starve" retireees to preserve a portfolio! I've had difficulty only with the Additional Inputs page: when d...
by frp user
Fri Feb 29, 2008 9:01 pm
Forum: Simulation mechanics, assumptions, and inputs
Topic: Is expected return an arithmetic mean or geometric mean?
Replies: 1
Views: 8426

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 compoun...
by frp user
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: 6361

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

Thanks Jim – don’t know how I missed those additional savings categories!
by frp user
Fri Feb 29, 2008 8:59 pm
Forum: Dealing with real world situations
Topic: How do I model sale of a house at age 80?
Replies: 2
Views: 6361

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

Hi Jim! Enjoying using the planner! One question: on the detailed output page there is a column for “new investments” yet I do not see where those can be input…I am using the example of a client selling a house at say age 80 and having the money from that supplement their income for the rest of the ...
by frp user
Fri Feb 29, 2008 8:51 pm
Forum: Simulation mechanics, assumptions, and inputs
Topic: Question about percent of expenses funded
Replies: 1
Views: 5828

Question about percent of expenses funded

Hi Jim! I’m really glad I came across your Flexible Retirement Planner…I can’t wait to implement it with clients. I do however need one clarification. I am having a hard time getting my arms around the “% of expenses funded” figure and want to see if I’ve got it: The Median Total Withdrawal is the a...
by frp user
Fri Feb 29, 2008 8:48 pm
Forum: General questions and comments
Topic: Are there any planner inputs that don't adjust for inflation
Replies: 1
Views: 3798

Are there any planner inputs that don't adjust for inflation

Dear Jim, My question centers around using the additional inputs for my savings. In the FAQ, it mentions that the contributions on the summary page are assumed to adjust with inflation. Is that the same with the additional inputs? If so, is there a way to do the simulation where inflation is not tak...
by frp user
Fri Feb 29, 2008 8:42 pm
Forum: Simulation mechanics, assumptions, and inputs
Topic: Question on taxation of non-retirement portfolio assets
Replies: 3
Views: 7818

Question on taxation of non-retirement portfolio assets

It appears that you use the assumption that non-retirement assets have already been taxed, and that they are taxed annually at the investment tax rate. In a case with a portfolio with minimal turnover, neither are true. How can I model that?
by frp user
Fri Feb 29, 2008 7:44 pm
Forum: Dealing with real world situations
Topic: Using the planner to decide on taking social security early
Replies: 2
Views: 7235

Re: Using the planner to decide on taking social security early

Thanks much for your very prompt and insightful reply. I took your advice, and varied the spending policy --tried all possible configurations. It made a huge difference, as you no doubt are well aware! :) Of particular interest was what happened when it was set to "stable": the 4% advantage of takin...
by frp user
Fri Feb 29, 2008 7:40 pm
Forum: Dealing with real world situations
Topic: Using the planner to decide on taking social security early
Replies: 2
Views: 7235

Using the planner to decide on taking social security early

Dear Jim-- Just wanted to thank you for your new Flexible Retirement Planner, which I think is a great tool for those of us doing some retirement planning. I've been using it to try to decide whether to take social security early (age 62) or late (age 70). I've examined this issue with deterministic...