Flexible Retirement Planner Support Forum

Hello,

Did you try closing all browser windows and restarting the browser? Also, what OS are you running?

Jim

Hi Bill, Given the New England weather this week, I decided it would be a good day to add the back-to-work feature you had suggested a while ago. A new version of the planner is up on the site. The change to the simulation code was really simple, just a handful of lines of code. Getting the GUI hook...

This is really interesting to me. What would you think about another option in the "Withdrawal Policy" drop down like "Flexible-BTW" (for back-to-work). I'd add the ability to configure the back-to-work parameters in the policy config pop-up. I think they would be "Portfolio...

I posted another update that allows you to set the minimum penalty-free withdrawal age. It turned out much easier than I thought it would be. For some reason I thought I'd have to rework the layout, but it fit in nicely. I also made another change to the early withdrawal penalty logic that should fi...

It sounds like there needs to be another option in the program to handle these different situations. Agreed. This will also be helpful for non-us users as well. It's definitely on the to-do list. Thanks for writing to let me know about this new twist (new for me) in the 401k rules. I tried the tric...

Hello again, It looks like I stand corrected on the age 55 rule. Here's what I found on 401k withdrawals at age 55 from a quick google search. This is from the retire early website (there are many other sources as well). You can make penalty-free withdrawals from a 401(k) at age 55. You must wait un...

I'm glad you're finding the planner useful. I'm not an expert on retirement plans, but for standard 401k and IRA plans in the US, I think the rule is 59 1/2 years old for penalty free withdrawals. There is a twist that says if you begin a series of "substantially equal" payments that would...

Hello, I found a tool from moneychimp that seems pretty good at giving you historical return/std dev data for the S&P 500 at http://www.moneychimp.com/features/market_cagr.htm The Index Funds Advisors site at http://www.ifa.com/portfolios/p065/index.asp has some good portfolio return/std dev dat...

The bug you reported has been fixed and the planner program has been updated to version 1.0.5. Since the program is usually cached by the web browser, it's best to exit your web browser and reload the page. Clicking on the help button shows the program's version history. One last thing I wanted to m...

Thanks for pointing out this bug in the Spending Policy Config screen. The '$' instead of the '%' is only a display bug and calculations aren't affected. As you assumed, the floor and ceiling are converted to percentages automatically and the conversion is done correctly. In any case, it should be p...