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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?

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.

Tags: monte carlo

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: Pensions

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

Can someone explain (or provide a reference where the doco explains) how to interpret the portfolio characteristics in the Monte Carlo reports? The mean and median returns are obvious but the ratio and beta are not, in light of the footnotes.

Not by intention but I ended up with 2 different portfolios having exactly the same components: 20% large cap stocks and 80% tips. In the Monte Carlo reports, the reported returns differ. Not by much, but they're different.

ESP recommends life insurance for me in the future but not now. The recommendation is that I have insurance coverage starting in 2025, when I start drawing SS at 70, through age 99 in 2054. The peak amount is about 100K in 2029, age 74.

Granted, I am 13 years older than her; but basically we want to leave everything to each other. Is there is some assumption input that maybe I have entered that is causing this?

Tags: CRUT

I'm considering a CRUT but am not sure how to handle the income. For withdrawals I'm experimenting with using Special Receipts dividing what could be received into ordinary income and capital gains and dividend components.

I am currently 68 years old and am working. I will not receive SS benefits until I'm 70 1/2. I know that amount because I was told it when my wife began receiving spousal benefits.

For example, the case study "Pay Off Your Mortgage" at says "ESPlanner can also be used to consider gradually paying off your mortgage, but doing so more rapidly than orig

Tags: IRA

Can ESPlanner model a non deductable IRA?

Tags: mortgage

How do you model a variable rate mortgage?

Tags: FICA

In my reports Details>Taxes page, FICA taxes appear after my wife and I turn 70. We will have no income from labor (last labor earnings entry was for 2011), just from investments, pensions and social security. What is meaning of the FICA entries?



I would like to do some what-if scenarios such as "what-if I don't have a pension." I'd like to do this without erasing any data, thus the reason to create a new profile and erase some data from it to see the result.

I've used E$Planer for several years, but just setup contingent planning for the first time. My spouse and I are just past our mid-fifties and she's currently out of the work force.

Tags: Suggestions

ESPlannerPro is telling me that our living standard per adult now (I am 56, my wife is 62) should be about $29,000 per year. When we are both retired, the recommendation is for over $72,000 per year. This make no sense to me.

According to the SSA, ( if you receive a pension from a federal, state or local government based on work where you did not pay Social Security taxes, your Social Security spouse’s or widow’s or widower’s

I've checked through the forum and have ask specifically on this issue, but still can't figure how to account for a Capital Loss Carryover. As an example, let say your Regular Assets consists of $1M dollars of Mutual Funds throwing off $30K in annual income from Capital Gains and Dividends.


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