Flexible Retirement Planner Support Forum

on the right of "Initial Withdrawal" and "Median Ending Withdrawal",there are Percent numbers in parentheses,what are they ?

They show the percent of the total portfolio value that each withdrawal amount represents.

Thanks a lot.I have other questions that puzzled me.
1、Minimum percent of expenses to fund
If Minimum percent of expenses to fund 75%,Annual Retirement Spending 70,000,Aunal Retirement Income 30,000,then the Minimum withdrawal is 70000*0.75-30000=22,500 or (70000-30000)*0.75=30,000?I think it's 22,500,right?
2、Start date
If I run the simulaion at 11-12-2016,then the Start date of Year 2016 is 11-12-2016 or 12-31-2015? I think it's 12-31-2015,so in fact the portfolio value of Year 2016 is value at 11-11-2017,right?
3、 portfolio value at retirement
If I set the Retirement Age at Year 2016, portfolio value at retirement is the value of Year 2016,not the initial portfolio value.But If I set the Retirement Age at Year 2017,then portfolio value at retirement is still the value of Year 2016,not the value of Year 2017,why?

mingli wrote:1、Minimum percent of expenses to fund
If Minimum percent of expenses to fund 75%,Annual Retirement Spending 70,000,Aunal Retirement Income 30,000,then the Minimum withdrawal is 70000*0.75-30000=22,500 or (70000-30000)*0.75=30,000?I think it's 22,500,right?

Yes, except that if the withdrawal comes from the tax deferred portfolio, some extra funds will be withdrawn to cover the income taxes due on the withdrawal amount.

2、Start date
If I run the simulation at 11-12-2016,then the Start date of Year 2016 is 11-12-2016 or 12-31-2015? I think it's 12-31-2015,so in fact the portfolio value of Year 2016 is value at 11-11-2017,right?

Technically, the planner logic doesn't deal in calendar dates. 12/31 and 1/1 are meaningless to it. It only deals with ages and relative time frames. If you set up the planner with portfolio values and ages as of 11/12/2016, you could say that the planner uses a fiscal year that starts every November 12th.
Conceptually, the simulation logic performs calculations either on the first day of the year or the last day of the year. For example, withdrawals are taken from the portfolio for the entire year on the first day of the year. Portfolio growth is computed on the last day of the year. The Portfolio value you set in the planner is assumed to be the value on the first day of the fiscal year. In the year-by-year detailed results view, you'll notice that the portfolio value shown for the first year (2016) includes a full year of growth.

3、 portfolio value at retirement
If I set the Retirement Age at Year 2016, portfolio value at retirement is the value of Year 2016,not the initial portfolio value.But If I set the Retirement Age at Year 2017,then portfolio value at retirement is still the value of Year 2016,not the value of Year 2017,why?

It's sort of a quirk. The code that sets the portfolio value at retirement is in the first day of the year part of the simulation logic.