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Just created a My Social account and noticed that the government's current estimate of my SSA benefit is about 2% lower than ESPlanner. I'm assuming the difference is either due to inflation/cost of living assumptions, or some other assumption about the law going forward. I am 60.

Tags: HSA

How should we enter savings in a Health Savings Account (HSA)? I doubt it would be treated completely appropriately under "Supplemental Retirement Accounts" especially when it's more of a family account than an individual account.

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

See: , Backtest Portfolio Asset Class Allocation. Seems like it generates the #s Esplanner Plus needs. Compatible or potentially? (I have not messed with it yet, but became aware of the site today.)

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: FICA

As you are aware, a Federal Employees Retirement System (FERS) pension is partially inflation adjusted according to the CPI as follows: increase in CPI up to 2% = FERS COLA same as CPI increase; 2 - 3% increase in CPI = 2% COLA; 3% or more increase in CPI = CPI - 1% increase in COLA.

Tags: monte carlo

My portfolio includes an international bond mutual fund and an international stock fund. Neither fund has a 10 year history. Instead, I want to use mean, variance, and beta values for the respective markets at large (since each fund is a passive broad index fund).

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.

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.

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.

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.

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.

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.

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?

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?


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