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I just purchased ESP and my wife and I are not clear on how the spend down is done.

Tags: monte carlo

Sorry I'm a newbie. I looked on the forum and the help file. Could someone please explain the meaning of the "Projected Trajectory" of standard of living (recommended consumption) column shown in the Monte Carlo Trajectory_Living Std report. Thanks.

What are other ESPlanner users assuming for investment rates of return, annually, over the next 20-30 years?

In the “Planning Method | Monte Carlo | Spending Behavior” window, the options to specify aggressive, cautious, or conservative spending behavior exist.

Hi -

This maybe an unfair question to ask in this forum.

However, I am wondering if anyone is familiar with using both ESPlanner and Torrid-Tech Retirement software.

I have a Universal Life Insurance policy. I think this may have been called whole life in the past. Basically my payment provides for a fixed amount life insurance policy while the remainder becomes a savings account with a stated minimal interest rate.

Tags: monte carlo

What does a higher precision simulation do differently than standard precision?

Can you better explain what counts as a special expenditure?

I wish to purchase and enter long term care expenses. Is the "special expenditures" the proper method for entering or should these numbers be budgeted in "consumption"?

Tags: monte carlo

I am having great difficulty understanding the reports. The manual uses numerous terms of art without defining them. As a simple example, the term "living standard" is never defined. Why is living standard different from consumption?

Can someone elaborate on the two dividend and capital gain assumptions? There is little in the Help or Tutorial about them. A few questions and comments are below: