Search found 725 matches

by jimr
Sun Mar 28, 2021 10:14 pm
Forum: General questions and comments
Topic: Modeling Roth conversions
Replies: 41
Views: 4841

Re: Modeling Roth conversions

The Roth amount and taxes should be visible in the detailed view with the "show more details" radio selected. Also, in that view, if you right-click on any column header and select show all columns you can see a bunch more columns that show all the taxes, etc. You can export the table to e...
by jimr
Sun Mar 28, 2021 6:49 pm
Forum: General questions and comments
Topic: Savings Input
Replies: 2
Views: 510

Re: Savings Input

The general idea is to combine all your taxable assets together and represent them with the taxable portfolio. While it's not perfect, most people just use one return/std deviation value to cover their overall portfolio based on the high level mix of asset classes they have. It's possible in the upp...
by jimr
Sat Mar 27, 2021 8:12 pm
Forum: General questions and comments
Topic: Modeling Roth conversions
Replies: 41
Views: 4841

Re: Modeling Roth conversions

No problem. I wish I could implement the roth conversion with a different tax rate for each roth conversion entry, but the simulation can't handle that without pretty massive changes. All of the cashflows of a given type are aggregated together by year as they get passed into the inner simulation ro...
by jimr
Sat Mar 27, 2021 8:04 pm
Forum: General questions and comments
Topic: Modeling Roth conversions
Replies: 41
Views: 4841

Re: Modeling Roth conversions

jwendellp wrote: Sat Mar 27, 2021 7:58 pm Oh, that makes sense. So then additional input entries for tax rates need to be net effective rates then?
Yes. That's correct. All the tax rates used by the planner are effective or average tax rates. The planner doesn't understand the concept of marginal tax rates.
by jimr
Sat Mar 27, 2021 7:55 pm
Forum: General questions and comments
Topic: Modeling Roth conversions
Replies: 41
Views: 4841

Re: Modeling Roth conversions

The taxable percent isn't a tax rate, but rather it's the percent of the conversion amount that's taxable. It works the same way as the "income " cash flows.
by jimr
Sat Mar 27, 2021 7:39 pm
Forum: General questions and comments
Topic: Modeling Roth conversions
Replies: 41
Views: 4841

Re: Modeling Roth conversions

What taxable percents are you using for the cash flows? Are they different for each entry? As I think about this, there could be a bug if you have multiple roth conversion cash flows for the same year with different taxable percents. It might be using the taxable percent for the last entry for all e...
by jimr
Sat Mar 27, 2021 7:00 pm
Forum: General questions and comments
Topic: Modeling Roth conversions
Replies: 41
Views: 4841

Re: Modeling Roth conversions

..while accurately (at least with today's tax brackets) reflecting progressive taxes on the 12% portion and 22% portion as separate cash flows I'm glad to hear it's working for you, but I'm afraid I don't understand what you mean by "12% portion and 22% portion as separate cash flows." Do...
by jimr
Sat Mar 27, 2021 2:56 pm
Forum: General questions and comments
Topic: Roth Conversions as 1st class citizens!
Replies: 4
Views: 913

Re: Roth Conversions as 1st class citizens!

I updated the download link to correct a possible install error in the last one. Should be all set now.
by jimr
Sat Mar 27, 2021 1:09 pm
Forum: General questions and comments
Topic: Modeling Roth conversions
Replies: 41
Views: 4841

Re: Modeling Roth conversions

I should have warned you about this, but my guess is you used the .jnlp file to launch the program and that launch method automatically fetches the latest official version from the website to run.

Instead, look in manual-install folder and manually launch frp.jar.
by jimr
Sat Mar 27, 2021 9:59 am
Forum: General questions and comments
Topic: Sensativity Analysis question
Replies: 1
Views: 453

Re: Sensativity Analysis question

Yes. That's correct. You should be able to verify this by looking in the detailed view window of any of the runs. You can get the detailed view window to popup by double-clicking on a cell in the heatmap or by right-clicking on a row in the sensitivity results table and selecting show details. This ...