What are other ESPlanner users assuming for investment rates of return, annually, over the next 20-30 years?
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In the “Planning Method | Monte Carlo | Spending Behavior” window, the options to specify aggressive, cautious, or conservative spending behavior exist.
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.
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"?
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?