Search found 79 matches
- Fri Feb 29, 2008 9:44 pm
- Forum: General questions and comments
- Topic: Questions about how taxable investments are taxed...
- Replies: 4
- Views: 17910
Re: Questions about how taxable investments are taxed...
Firstly you say portfolio gains each year are taxed by the specified tax rate (eg 15%). Given that a significant percentage of these gains could be capital gains which would only be taxed when the investment is sold, is the simulator ignoring this and just treating all gains as income? Should we ma...
- Fri Feb 29, 2008 9:38 pm
- Forum: General questions and comments
- Topic: Great program--2 comments
- Replies: 2
- Views: 10575
Re: Great program--2 comments
1. Can the calculated models be saved, or can only the input data be saved? Granted, all I have to do is pull up the file and run the scenerios again; nevertheless, it would be nice to be able to save the actual models. The calculated models can't be saved directly, but if you right-click on any of...
- Fri Feb 29, 2008 9:29 pm
- Forum: General questions and comments
- Topic: Bug Found in downloaded beta program?
- Replies: 8
- Views: 22690
Re: Bug Found in downloaded beta program?
Doug,
That was a great writeup. Thanks. (I moved it into the downloadable app forum).
I'll see if I can reproduce it based on the steps you wrote up. If it happens again and it's possible to do a save-as that might give me some additional input.
Jim
That was a great writeup. Thanks. (I moved it into the downloadable app forum).
I'll see if I can reproduce it based on the steps you wrote up. If it happens again and it's possible to do a save-as that might give me some additional input.
Jim
- Fri Feb 29, 2008 9:18 pm
- Forum: General questions and comments
- Topic: Evaluating and annuity (SPIA) with the planner
- Replies: 3
- Views: 16777
Re: Evaluating and annuity (SPIA) with the planner
Thanks for writing. If I understand your situation correctly, you have various fixed income sources in retirement, some of which don't include COLAs. The planner has a way for you to enter No Cola income on the "additional inputs" tab. I By default all income is adjusted each year to keep ...
- Fri Feb 29, 2008 9:15 pm
- Forum: General questions and comments
- Topic: A question about social security and inflation
- Replies: 1
- Views: 8421
Re: A question about social security and inflation
The planner expects a "today's dollar" amount. The effects of inflation will be handled internally by the planner. BTW, this is true of all values that you enter into the planner and all values that are output in the planner's results.
Best Regards,
Jim
Best Regards,
Jim
- Fri Feb 29, 2008 9:13 pm
- Forum: General questions and comments
- Topic: Having a problem with the additional inputs page
- Replies: 4
- Views: 10890
Re: Having a problem with the additional inputs page
The spending multiplier default shouldn't need to be changed. It's there for educational purposes more than anything else. If you increase the multiplier you amplify the effects of the flexible spending policy and sometimes that can make it easier to understand what the planner is doing with the spe...
- Fri Feb 29, 2008 9:11 pm
- Forum: General questions and comments
- Topic: Having a problem with the additional inputs page
- Replies: 4
- Views: 10890
Re: Having a problem with the additional inputs page
Hello again, I've attached a few screen shots to show an example of how to use the additional inputs tab. Below are the steps. 1) launch the planner 2) click on the "Additional Inputs" tab and enter $1 as the annual amount on the BOTTOM cashflow table (social security starting after retire...
- Fri Feb 29, 2008 9:09 pm
- Forum: General questions and comments
- Topic: Having a problem with the additional inputs page
- Replies: 4
- Views: 10890
Re: Having a problem with the additional inputs page
Hello, Thanks for the kind words about the planner. I'm not exactly sure what's causing the issue that you're seeing, but I wonder if you're using the "back" button on your web browser to go back to the main page. Doing this will restart the calculator and all values.. Switching between th...
- Fri Feb 29, 2008 9:04 pm
- Forum: General questions and comments
- Topic: Is expected return an arithmetic mean or geometric mean?
- Replies: 1
- Views: 11879
Re: Is expected return an arithmetic mean or geometric mean?
I wanted to confirm with you that the value that is input for the expected return in your simulator is an annual arithmetic expected return (versus the geometric or compound annual expected return). As an example, an annual return of 8% with a standard deviation of 15% would have an expected compou...
- Fri Feb 29, 2008 9:00 pm
- Forum: General questions and comments
- Topic: How do I model sale of a house at age 80?
- Replies: 2
- Views: 10125
Re: How do I model sale of a house at age 80?
I think you may want to use the "Taxable Savings" choice that's also in the additional inputs tab. This option will add the money to the client's taxable portfolio balance in the year they reach the age that you specify. You should also see the amount reported in the "New Investments&...