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Tags: annuity

What is the easiest way to model with or without annuities and to see the results without having to create another database? Tried to find the answer, not finding it. Thank you

What are the minimum system requirements to run ESPlanner Plus? Will it run on this?
Lenovo - IdeaPad 100s 11.6" Laptop / Intel Atom Z3735F/ 2GB Memory / 32GB eMMC Flash Memory / Webcam / Windows 10- Red
The sole use of this laptop would be for running ESPlanner

Under Assumptions > Taxes:
Is the data item "Percentage change in taxes" expressed in points or pct? If my marginal rate is 35%, would a 2% value in this field take it to:
- 37% (ie - a 2-point increase) OR
- 35.7% (ie - a 2% increase)

I am not clear on what the Monte Carlo simulations are estimating when I use the Conservative Spending option. Can someone explain, perhaps by taking one simulation for one year, and indicating what assumptions are used to generate the living standard and real asset income?

I'm sure this has been answered plenty, but my search function keeps sending me back to the Home page. Here's the question, then:
How to comprehend "maximum indebtedness" in the Assumptions section?

When I run ESPlanner assuming conservative spending, is it correct that the Details and Suggestions section of the PDF report assume that I spend, and earn, zero real return on my investments, in each year until the last year when no assets are left?

On the details report, my husband's social security income jumps from the correct amount in 2016 up by $13K in 2017. Why? (He has been retired for 4 years, has been collecting SS since he was 65; he is now 78.)

My husband has a variable annuity from his employer. The annuity screen appears to consider only fixed annuities. How can I enter this asset?

NY residents are exempt from State Income Tax on public pensions and 403b's (teachers, civil servants, etc).
How do we remove the state income tax ESP automatically calculates (and which then impacts std of living)?

I completed some energy efficient upgrades to my home which I am financing through a special assessment through property taxes. The increase in property taxes only lasts 20 years, but my plan goes for 30+ years. Any way to input that special tax?

Tags: Assumptions

I am trying to calculate the most accurate assumption to use in the "Two can live as cheaply as" field, using our (my husband and my) specific budget figures.

Tags: monte carlo

I'm inputting my assets so that I can build portfolios based upon the assets that I own. My latest entries do not seem to be saved. Is there a limit on the number of assets? If so how can I delete the assets you pre-populated in the program.

The directions have a "link" to get the asset return data from another source but it doesn't work. So, I want to copy and paste from excel the yearly returns of new assets so I don't have to manually enter them. I can't find in the directions how to do this. Can you tell me, please?

Tags: FICA

How can I suppress the FICA tax calculations? My current income is from deferred compensation and returns on financial assets. At the time of the income deferral both FICA and Medicare Taxes were paid on the deferred amount, and I do not have to pay twice.

How should hedge fund and private equity investments be entered? They don't seem to fit the categories in the program.

Tags: Mutual Funds

If you have an interest in investing in DFA funds without going through a private advisor, this blog post may be of interest. It doesn't work for me, but might for you.

I'm trying to figure out how to model the follow recommendation from your sister site "Maximize My Social Security ". The recommendation involves the younger spouse filing/collecting at 62 for 4 years to allow the older spouse to collect spousal until she is 70.

Tags: monte carlo

If this has been answered, please just direct me to the answer.

For a married couple, does ESPlanner use the "Married Filing Jointly" tax tables or does it also calculate "Married Filing Separately" and then selects the lower tax option?

I have a question about modeling a retirement account. This account is held by one company, and 25% of the total is held in a fund that guarantees around 5%. The remainder is held in a stock fund that fluctuates with various factors.