Search found 839 matches

by jimr
Sun Jun 02, 2024 9:58 pm
Forum: General questions and comments
Topic: Sensitivity analysis results vs. main simulation results
Replies: 7
Views: 1017

Re: Sensitivity analysis results vs. main simulation results

You can use additional inputs with sensitivity analysis, but you just have to take into account any conflicts between what you've set up in additional inputs and the parameters sensitivity analysis is varying. Based on what you've described, I think you could leave all the income cash flows as is in...
by jimr
Sun Jun 02, 2024 8:10 pm
Forum: General questions and comments
Topic: Sensitivity analysis results vs. main simulation results
Replies: 7
Views: 1017

Re: Sensitivity analysis results vs. main simulation results

The sensitivity analysis feature uses the regular simulation code, so the issue has to be something to do with planner inputs. Do you have anything set up in Additional Inputs? Additional Inputs settings get layered in on top of whatever settings are used in the main sensitivity analysis window. Tha...
by jimr
Sun Jun 02, 2024 12:57 pm
Forum: General questions and comments
Topic: minimum % of expenses to fund
Replies: 2
Views: 504

Re: minimum % of expenses to fund

Yeah, this is admittedly confusing. The answer has to do with the logic that controls the color of the stop light: From the documentation: https://www.flexibleretirementplanner.com/wp/documentation/planner-output In order to get a green light, the simulation must end with a positive portfolio balanc...
by jimr
Mon May 27, 2024 3:32 pm
Forum: General questions and comments
Topic: Bug or misunderstanding: Taxable / TaxFree Portf.
Replies: 3
Views: 2231

Re: Bug or misunderstanding: Taxable / TaxFree Portf.

Glad to hear it worked. Thanks for posting because this is something that could easily trip up other early retirees.
by jimr
Mon May 27, 2024 10:58 am
Forum: General questions and comments
Topic: Bug or misunderstanding: Taxable / TaxFree Portf.
Replies: 3
Views: 2231

Re: Bug or misunderstanding: Taxable / TaxFree Portf.

My guess is that the difference has to do with penalties on early withdrawals from the tax free portfolio. From the screenshot, it looks like you're set up to retire at 55. By default, any tax deferred or tax free withdrawals made before age 60 are subject to a penalty. You can configure the penalty...
by jimr
Thu Apr 11, 2024 8:49 am
Forum: General questions and comments
Topic: Error: Retirement Age Less than Current Age
Replies: 1
Views: 1376

Re: Error: Retirement Age Less than Current Age

I can understand that it might be better to be able to show your actual retirement age with that input. However, the simulation doesn't know about years that have already passed and that's why it's saying the retirement age can't be less than current age. The technical reason this check was added is...
by jimr
Sat Apr 06, 2024 10:00 am
Forum: General questions and comments
Topic: Annual Retirement Spending/Inflation
Replies: 2
Views: 1616

Re: Annual Retirement Spending/Inflation

The planner begins adjusting all amounts for inflation from the start of the plan, not from the start of retirement. So there's no need for any manual inflation adjustments.
by jimr
Thu Apr 04, 2024 11:02 am
Forum: Problems installing and running the program
Topic: Accessing FRP website
Replies: 3
Views: 209497

Re: Accessing FRP website

Thanks. Looks like it needs another restore. It should be back soon.

Ever since I switched to a new inmotion hosting plan this seems to be happening a lot more, but I really don't really know what the cause of it is.
by jimr
Sun Mar 24, 2024 4:46 pm
Forum: General questions and comments
Topic: Using FRP During Retirement
Replies: 9
Views: 98306

Re: Using FRP During Retirement

I usually run a handful of sort of "roughed in" scenarios, each with different withdrawal amounts and maybe some other assumptions. Then I look at the prob of success for each scenario. For withdrawal amounts, I tend to use round numbers, so instead of $206k, maybe 180k, 200k, 220k, etc. I...
by jimr
Wed Mar 20, 2024 2:34 pm
Forum: General questions and comments
Topic: Misc Income and Inflation
Replies: 2
Views: 1312

Re: Misc Income and Inflation

All the amounts in that table are shown in present value dollars, so an amount staying the same from year to year is exactly keeping up with inflation. A decreasing amount is an amount that isn't keeping up with inflation and an increasing amount is growing at a rate greater than inflation.