Any suggestions about how to model a NUA (net unrealized stock distribution). I would like to know the impact of using post-tax dollars in my thrift fund to enable me to remove stock by exchanging the cost basis with post-tax contributions without a taxable event during the fund liquidation.
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I have a variable annuity in an IRA. Under what asset do I place the value of that annuity.
My wife's State Teachers Pension is fixed until 2019 when the first COLA will be given and annually thereafter. Any suggestions as to how to accommodate that as it appears that I can only enter whether it does (and how much) or does not keep up with inflation. Thanks.
For the benefit of others, I'll share an approach I just devised that seems to work well for me. Instead of assuming smooth withdrawal over my lifetime with an expected age of 100, I'm setting my smooth withdrawal end date to the year I'm 71. That's the year after I start withdrawing SS.
What's the best way to model a NQP? The NQP has a defined withdrawal period and is 'invested' in accounts that mirror mutual funds, so remaining balance will change over time. e.g. total balance withdrawn over a 10 year period starting 1 year after retirement.
Not having been a subscriber for a year yet, can someone describe what I'll expect to see or have to do at the annual rollover? Any advice as to how to handle, or caveats?
I have a couple of specific questions about the "Monte Carlo Spending Behavior & Portfolio Characteristics" section of the PDF Reports under "Inputs and Assumptions" that I hope you can answer.
I entered a change of first home (primary), but the reports do not reflect the result I expected. Our current home is (sadly) not appreciating so I entered a negative appreciation rate to offset the inflation rate. So the value of the current home should remain stable.
I entered Pension amounts, and on the Non-Asset Income report it shows the Pension is decreasing by 3.3% a year. When I entered the pension amount, I entered a 2% inflation. So why is the report showing a 3.3% decrease each year? This happened with both my pension and my husband's.
How do you account for a Government Pension Offset (GPO) for my wife. She will not receive any of my Social Security benefits because she receives a Teachers pension.
I have a 401k Profit Sharing Plan that consists of pretax Employee 401k contributions and pretax Employer contributions and pretax rollover contributions. No Roth and No non-qualified plan funding sources.
Your reports are clear about the annuity/ social security and retirement fund withdrawals, but I don't see where the annual withdrawals from regular assets is stated. In my report the (savings) from the Regular Assets report is not equal to this number.
I want to model my stock/bond ratio changing over time. E.g. I start off with 70/30 and expect to end with 0/100. I model this by using Monte Carlo and creating a portfolio for each decade or so with the set stock/bond ratio for that decade.
Why can't you choose 2014 (ie, current year)?
It looks to me like your search function does not search the text, but only the topics. Try searching for "inflation" I got a blank screen with that and other common terms.
I understand how to model a single year IRA to Roth-IRA conversion:
According to Larry's most recent PBS article on Social Security, Mike has found some very specific circumstances where you can get one extra month of Social Security benefits. I'm assuming this will be available in a future release.
I am a home user of ES Planner. Can the program or profile be password protected? I searched the forums and have been unable to find an answer. I need to take my laptop to the computer shop and want to keep the information private. Thanks for the help.