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Tags: monte carlo

On page 34 of the User Manual is says "Thus, we have a spreadsheet you can use [linked here] to get the data based on readily available numbers from Morningstar, Yahoo, or your fund prospectus." The link doesn't work (kicks me out to page that denies access whether I'm logged on or not.

Tags: asset income

In my model, asset income savings (in the 'current saving' section of the report) is greater than asset income (in the 'total income' section of the report) by about 10%. Seems counter-intuitive, why is that?

Tags: Bonds


I'm wondering what the correct way to enter muni bonds. I have them as a bond and cd under regular assets and have also indicated the percent of regular assets in municipal bonds. Is the interest I receive based on the rate and inflation percents i enter in regular assets?

How do you express/input after tax funds invested in a time locked investment which is sheltered from all taxes until it's withdrawn? I currently have it "other assets" but I fear that those funds are assumed to be subject to taxation during their tenure.

Tags: Optimization

Late in 2014, we had the 1st "optimization challenge" to see how much an ESPlanner profile could be optimized. The idea is to experiment and learn from each other on how to get more out of ESPlanner and to apply these insights for our own profiles.

Tags: Optimization

Hi Brian,

I posted a comment in the original thread, and then realized it might be missed because someone would have to search for that thread in order to see the new comment. So I thought I'd repeat my post here...

I must be missing something obvious, but how do model out the scenario where we do a home addition/remodel in 2016 and finance it using an existing home equity line?

Not that you asked but in my first few days, here's a few things I've thought of...

I have created a simple Jack and Sally Sprat planner file to experiment with the impacts of changes on net worth, spending, returns, etc.

I set inflation to zero for the base case and kept returns at 6%; not real world but a clean starting point;

Can you help me understand what nominal rates of return control in the assumptions tab? It doesn't seem to be the total rate of return, but the 6% default value makes me think it isn't income generation.

Two more questions:
1. We receive an annual payout from a business; it's not income in the traditional sense that one of us is employed and earns it but it is an income stream. What's the best way to represent this in ESP? I've put this in as an annuity under "Special Receipts"

We have two policiies. My wife's policy is a fully funded whole life policy worth $200K; she contributes nothing to it and it will pay to the estate when she dies. If I show this as life insurance, do I show it as a cash value of $200k?

Tags: mortgage

If I have a lump sum business payout that will allow me to pay off my mortgage five years from now, how can I accurately reflect that in the software?

Tags: updates

When we check for updates to the software we get an error message. The screen capture of the message we get is attached.

Tags: FICA

My wife has no earned income, but ESPlanner is showing her as paying FICA taxes every year. What is driving this?

Let’s assume a primary, vacation and a weekend house. I would like to setup ESPlanner Plus to model selling any of them in a specific year. I’ve set these properties in the Real Estate screen however where does the cost show up? Does it lower Discretionary Spending?

I've recently received a cash inheritance which I entered in special Receipts as non-taxable. It is invested at a low interest rate but the amount is large enough that having it earn zero interest as a special receipt entry has an affect, albeit small, on my SOL and taxes.

Tags: monte carlo

I can create, rename, add, and delete assets to Monte Carlo portfolios, but how can I delete a portfolio?

I would like to see the option to input an investment management fee percentage which would show as a spend item in the reports. This would naturally reduce the SOL.

Tags: monte carlo

I am running version 2.29.4 of ESPLannerPlus (Build 492). I was starting to use the Monte Carlo section to add my real securities. After I clicked on the "New" button, I noticed this at the top of the "Define a new asset" dialog box:

I don't quite understand how this calculation works. I entered 6% nominal return for retirement accounts, but on the Retirement Accounts Report the amount looks like 3% or less. 1st line is as follows:

Tags: Real Estate

owned numerous rental unit, unable to assign different rent to each respective property. They all show the same amount. When I input a new one, the program wiped out the old amount and all properties show the new revenue and expense. Does the property only allow 5 properties ?

With my current set of inputs, my current discretionary spending is negative. This obviously isn't true, so I'm assuming I have a problem with my input data but am having a problem tracking down what it might be. Can someone explain how current discretionary spending is calculated?

Tags: Bequest, estate

Hi, I have a question about the estate calculation. In my example I am married and have 350,000 in housing equity and both my wife and I have bequests. Looking at the estate tabs, the full 350,000 housing equity is counted in both of our estates.

Tags: key ages

I'm writing regarding the following appears in the 'help' blurb when viewing this tab in Retirement are asked to input

"Age of last contribution to retirement accounts."


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