Flexible Retirement Planner Support Forum

Is the spending policy set to flexible or stable? If it's set to flexible, that could be the reason. You can read up on spending policies here:
http://www.flexibleretirementplanner.co ... -policies/

If that's not it, please post again.

Jim

Actually, the tax rates are used as average rates.

So that means all withdrawals from tax deferred get taxed at the same rate.

Sounds like it. As an fyi, withdrawals from tax deferred are taxed at the income tax rate not the investment tax rate. The investment tax rate applies only to the taxable portfolio. It's used inside the simulation to deduct taxes from portfolio gains before adding the gains back into the portfolio.

Do you have balances in the taxable and/or tax free portfolios? The default withdrawal order is taxable, tax deferred, tax free. Basically, all withdrawals are taken from taxable until that portfolio is depleted, then all withdrawals are from tax deferred, then once that's depleted, all withdrawals ...

It's tough to guess what could be happening without seeing all the inputs, but I wonder if taxes on portfolio withdrawals could be the culprit. Investment gains on the taxable portfolio are taxed as they happen, so no taxes are due on withdrawals from the taxable portfolio. The same is true for with...

Hello, You are correct that the "back to work" logic assumes that working provides just enough to cover expenses. Basically, portfolio withdrawals are suspended in the years when the back-to-work logic is active. Understanding or predicting the impact of the back-to-work logic on your succ...

The average spending shortfall is a measure of the severity of any failures that the simulation encounters. Even if only one of the 10,000 simulation runs fails, you can still get a substantial shortfall percent. That's because this number is the average shortfall across only the failures. If there'...

FRP handles all cash flows (eg net expenses/savings) at the beginning of the year and calculates portfolio growth at the end of the year. So based on the article, I think that means that during the accumulation phase FRP may be a little optimistic and during the deccumulation phase, FRP may be a lit...

Unfortunately, this isn't something that you can model with this planner.

The main issue is that if you never touch principle, your probability of success will always be 100% because by definition the portfolio can never be exhausted and your plan can never fail.

It is an interesting article.

Kitces 'Nerd's Eye View' blog is chock full of interesting content. It's in my RSS feed as a must read.