Search found 881 matches

by jimr
Mon Feb 02, 2009 4:24 pm
Forum: General questions and comments
Topic: Question on taxation of non-retirement portfolio assets
Replies: 3
Views: 17694

Re: Question on taxation of non-retirement portfolio assets

One other thing you can try in this case is to reduce the captial gains tax rate to account for a more tax efficient portfolio. Instead of the default 15%, you might try 10% or 12%

Jim
by jimr
Mon Feb 02, 2009 4:21 pm
Forum: General questions and comments
Topic: "Median Portfolio Value By Year" graph mouseover error
Replies: 1
Views: 14130

Re: "Median Portfolio Value By Year" graph mouseover error

ice2,

Thanks for reporting this. Unfortunately, when I tried this myself I couldn't reproduce the problem. I always seem to get the mouseover popup just fine.

Do you see this every time you use the app or does it start to happen only in certain circumstances?

Thanks,

Jim
by jimr
Fri Jan 02, 2009 11:14 pm
Forum: Announcements
Topic: A new FRP standalone version
Replies: 12
Views: 474664

Re: A new FRP standalone version is coming (see screenshots)...

Hi John,

If you send an email to me at info@flexibleRetirementPlanner.com, I'd be happy to give you the details for getting the beta version of FRP standalone.

Jim
by jimr
Thu Dec 11, 2008 6:30 pm
Forum: General questions and comments
Topic: Great tool
Replies: 3
Views: 12036

Re: Great tool

Tim, Thanks for posting. As it turns out, providing the website and planner for free is really a two-way street. First, I get great feedback and suggestions. Also, I use the tool in my own retirement planning, so it's good to have people questioning how everything works and challenging the planner's...
by jimr
Thu Oct 30, 2008 10:19 am
Forum: General questions and comments
Topic: Is there a way to have a plan finish with zero $ (or close)?
Replies: 6
Views: 18311

Re: Is there a way to have a plan finish with zero $ (or close)?

As I think about your question a bit more, I'm wondering if my answer missed the mark. The problem with targeting a "zero ending balance" result is that the ending portfolio balance isn't a hard and fast number that pops out of the simulation. Rather, it's a probabilistic result. The endin...
by jimr
Thu Oct 30, 2008 10:05 am
Forum: General questions and comments
Topic: Is there a way to have a plan finish with zero $ (or close)?
Replies: 6
Views: 18311

Re: Is there a way to have a plan finish with zero $ (or close)?

If I understand your question, you're looking for a simulation that takes a probability of success and returns the maximum spending amount your plan can support given that probability. Unfortunately, the simulation algorithm doesn't quite work that way. Each of the 10,000 simulation runs tries to fu...
by jimr
Mon Sep 15, 2008 11:39 am
Forum: General questions and comments
Topic: Pre retirement savings
Replies: 8
Views: 38777

Re: Pre retirement savings

Hello again, The general methodology that you've described for how you "inflated" your 2004 expenses sounds reasonable to me. In general, you should put all values into the planner in "today's value" dollars, so as you indicated, you'd put the same value in for expenses whether y...
by jimr
Tue Sep 09, 2008 9:45 am
Forum: General questions and comments
Topic: Pre retirement savings
Replies: 8
Views: 38777

Re: Pre retirement savings

Hello, I agree that additional no-cola options would be good to have and they are on the list for a future version of the planner. I did a quick google search for retirement plan contribution limits and I found this site . I can't vouch for the accuracy of their information, but they provide a nice ...
by jimr
Sat Sep 06, 2008 10:43 pm
Forum: General questions and comments
Topic: Pre retirement savings
Replies: 8
Views: 38777

Re: Pre retirement savings

Just to make sure I understand what I am seeing on the screen, does the thin black line in the graph represent the number of portfolios that were exhausted in a given year? I am viewing the results as "show failures (number of times money ran out)". That's correct. You can also see this i...
by jimr
Sat Sep 06, 2008 10:01 am
Forum: General questions and comments
Topic: Pre retirement savings
Replies: 8
Views: 38777

Re: Pre retirement savings

Hello and thanks for posting. Unfortunately, the planner doesn't provide an easy way to accomplish what you'd like to do. The only approach that I can suggest would be to use "additional inputs" and break the contributions into several 5 year periods. Set it up so the contributions get sma...