When you run the program with Monte turned on, the program uses the expected (mean) real returns on the portfolios of regular and retirement account assets you specified you'll be holding through time. When you run the program with Monte turned off, it uses the real returns you specify under economic assumptions when you enter the nominal return on your regular assets and retirement accounts and also specify a rate of inflation.
Disclaimer: ESPlannerBASIC, ESPlanner, ESPlannerPLUS and ESPlannerPRO, are educational calculators designed to give users input in mapping out financial futures, but should not be acted upon as a complete financial plan. The creators of these programs are not certified, registered, authorized, or any other type of financial planners. These programs are simply tools for helping you think through economic futures. Its "recommendations" should be viewed as informative inputs into your own decision-making with respect to saving and the purchase of life insurance. ESPlannerBASIC, ESPlanner, ESPlannerPLUS and ESPlannerPRO provide neither economic, financial nor tax advice, which can only be delivered to you by authorized professionals.
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