Search found 821 matches

by jimr
Mon Jun 19, 2023 11:04 pm
Forum: General questions and comments
Topic: Seeking specificity around Flexible spending policy
Replies: 13
Views: 167625

Re: Seeking specificity around Flexible spending policy

I understand the Planner is trying to mimic how people are likely to behave, and that it's not strictly prescriptive, yet I think it's necessary for me to think and act like the Planner to some degree, or else the plan and reality won't match up well. It sounds like you have a good understanding of...
by jimr
Mon Jun 19, 2023 4:39 pm
Forum: General questions and comments
Topic: Seeking specificity around Flexible spending policy
Replies: 13
Views: 167625

Re: Seeking specificity around Flexible spending policy

When I look at my plan, percent of expenses funded is pegged at 100% for the entire plan duration. It's a bit unusual for the percent of expenses funded to be pegged at 100% for the whole plan unless the spending policy is set to stable or conservative or you've set a ceiling value of 100% in setti...
by jimr
Mon Jun 19, 2023 8:04 am
Forum: General questions and comments
Topic: Seeking specificity around Flexible spending policy
Replies: 13
Views: 167625

Re: Seeking specificity around Flexible spending policy

ochotona wrote: Sun Jun 18, 2023 9:33 pmdo you mean greater or less than in nominal terms or real terms? The portfolio might have growth in nominal terms, but not in real terms. Or it might be 2x larger in nominal terms, but unchanged in real terms.
The comparisons are all made using real values.
by jimr
Sat Jun 17, 2023 4:26 pm
Forum: Problems installing and running the program
Topic: Updating to newest FRP version
Replies: 2
Views: 68752

Re: Updating to newest FRP version

To update the program on windows, just download the latest version from the frp website and click on the downloaded installer executable. There's no need to uninstall the old version. The only caveat with this the old version of the program can't be running during the install process (say in the bac...
by jimr
Tue Jun 13, 2023 10:39 pm
Forum: General questions and comments
Topic: Roth Conv taxes
Replies: 7
Views: 113473

Re: Roth Conv taxes

The simulation logic adds the taxes due on any roth conversion done in a given year to the amount of expenses that need to be funded for that year. Then the normal expense funding/withdrawal order logic is used fund the expenses.
by jimr
Mon May 08, 2023 6:42 pm
Forum: General questions and comments
Topic: Entire Portfolio Rate of Return
Replies: 8
Views: 136944

Re: Entire Portfolio Rate of Return

One last thing. I'm assuming you've already set up the detailed view window to show all of the possible columns. Just in case you haven't, this is done by selecting the "show more detail" radio button in the detailed view, then right clicking on any column header and selecting "show a...
by jimr
Mon May 08, 2023 5:16 pm
Forum: General questions and comments
Topic: Entire Portfolio Rate of Return
Replies: 8
Views: 136944

Re: Entire Portfolio Rate of Return

When I export all of the detailed data, do you know of a way that I can use certain growth numbers that may be contained in any of the output as part of a rate of return calculation for each year of the plan? I can't see a way to get there with the info that's available. If your goal is to verify/e...
by jimr
Mon May 08, 2023 5:04 pm
Forum: General questions and comments
Topic: Entire Portfolio Rate of Return
Replies: 8
Views: 136944

Re: Entire Portfolio Rate of Return

You're right that the reporting on separate returns is lacking. The capability was added after-the-fact in response to user requests, so I made some simplifications/trade offs to get the feature in there.
by jimr
Mon May 08, 2023 4:21 pm
Forum: General questions and comments
Topic: Entire Portfolio Rate of Return
Replies: 8
Views: 136944

Re: Entire Portfolio Rate of Return

I had to look at the code to see what happens with geometric mean when you use separate returns. It turns out, when separate returns are used, the geometric mean only covers the growth of the taxable portfolio. It doesn't include any calculations for the returns from the other two portfolios. The ge...
by jimr
Fri Apr 21, 2023 7:19 pm
Forum: General questions and comments
Topic: Social Security case
Replies: 7
Views: 65533

Re: Social Security case

That sounds right. Logically, portfolio withdrawals/additions happen at the beginning of the year and portfolio growth is calculated at the end of the year. So in this case, it's as though the SS income gets added to the portfolio all at once on January 1st so it has the whole year to earn that 10% ...