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ESPlanner's life insurance recommendations continue to baffle me. I occasionally ignore them because I can't always explain them.

Is it possible to run this program on a MAC or use it as a web based program on my MAC?
Thanks, Brian

Tags: Roadmap

Can you share the software release roadmap for the next six months/year? What are you working on, what's coming? (Besides the usual yearly updates to SS, COLA, inflation, etc.) Thanks.

A portion of my wife and I's state income taxes is exempt from tax income taxes. How do we account for that within ESPLanner?

Hi,

With the growth of Roth IRAs/Roth 401ks, should these be broken out (displayed) in the reports? Perhaps these could be labeled "tax-sheltered retirement accounts" and "Roth retirement accounts" (or assets or something similar).

Does the regular assets income column of the total income report include unrealized growth of assets (such as increase in a stock or fund price), or only interest and dividends generated by the asset?

My survivor reports for both me and my wife show a substantial negative number in the regular assets column. Where is this coming from?

Chris Fahey

Tags: monte carlo

In the Monte Carlo/Build Portfolios dialog each asset in 'Asset class' has its "Average Real Return" listed.

But when hitting the 'new' button the 'Define a new asset' screen, question 2, states "Specify average nominal rate of..."

Tags: Optimization

Just curious if others would be interested to see how/how much various profiles could be optimized. Sort of a challenge or game where we could learn from each other on how to get more out of ESPlanner and potentially to apply these insights for our own profiles.

It has been my experience that you don't get the same interest rate for borrowing versus saving - hence banks make money. Does ESPlanner use the same interest rate for negative regular assets (i.e. borrowing money) and positive regular assets (i.e. money in a bank account)?

I am not sure I understand how "upside investing" is supposed to work. For example:
1. What is the rate of return on stocks?

It isn't clear to me exactly how the Upside Investing logic works. I have a few questions below.

Tags: key ages

Why is retirement account last contribution key age minimum 59? How do you set earlier age at which you stop contributing to retirement accounts?

Tags: monte carlo

If you look at the help manual, page 61, you see that ALL Monte Carlo results are Less than the TIPS or projected. There is something I'm really missing. How is this possible and what does it mean? Is it really possible that all (95%) trajectories with stock end up worse than TIPS?

Just created a My Social Security.gov account and noticed that the government's current estimate of my SSA benefit is about 2% lower than ESPlanner. I'm assuming the difference is either due to inflation/cost of living assumptions, or some other assumption about the law going forward. I am 60.

Tags: HSA

How should we enter savings in a Health Savings Account (HSA)? I doubt it would be treated completely appropriately under "Supplemental Retirement Accounts" especially when it's more of a family account than an individual account.

I was making a much larger salary until this year. I resigned and started my own business in 2014. Since my projected earnings from 2014 and future years are significantly lower than what I have been earning, the calculated social security benefit when I retire is artificially low.

See: http://www.portfoliovisualizer.com , Backtest Portfolio Asset Class Allocation. Seems like it generates the #s Esplanner Plus needs. Compatible or potentially? (I have not messed with it yet, but became aware of the site today.)

What is the interaction, if any, between the retirement portfolios constructed using Monte Carlo planning and the option to annuitize in the Retirement section?

Until recently, I’ve always used the default settings for the SOL index (ie, a constant 100% SOL for my & my wife’s early retirement at age 58 through 100).

Tags: FERS pension

As you are aware, a Federal Employees Retirement System (FERS) pension is partially inflation adjusted according to the CPI as follows: increase in CPI up to 2% = FERS COLA same as CPI increase; 2 - 3% increase in CPI = 2% COLA; 3% or more increase in CPI = CPI - 1% increase in COLA.

Tags: monte carlo

My portfolio includes an international bond mutual fund and an international stock fund. Neither fund has a 10 year history. Instead, I want to use mean, variance, and beta values for the respective markets at large (since each fund is a passive broad index fund).

Tags: pension

When I enter the pension as an annual amount in today's dollars, in the report, the amount is reduced for the subsequent years.

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