Search found 2577 matches

by #Cruncher
Mon Jul 16, 2018 11:31 pm
Forum: Investing - Theory, News & General
Topic: 1-year Treasury Bill auction
Replies: 42
Views: 2906

Re: 1-year Treasury Bill auction

My confusion started from your use of "yield" in the formula to convert bond yield to APY. APY is an effective annual rate, and is computed from the nominal annual rate. What often confuses me are terms like "nominal rate" and "effective rate". I can never remember what they signify. The simple ter...
by #Cruncher
Mon Jul 16, 2018 3:47 pm
Forum: Investing - Theory, News & General
Topic: 1-year Treasury Bill auction
Replies: 42
Views: 2906

Re: 1-year Treasury Bill auction

For the 52-week bill ... YIELD with frequency = 2 produces approximately the same value as the Treasury's formula (differs in the 5th decimal place) ….) Since the Treasury only displays rates to the 3rd decimal place, ... and since the … fifth decimal place is thousandth's of a basis point, I'm hap...
by #Cruncher
Sun Jul 15, 2018 8:22 pm
Forum: Investing - Theory, News & General
Topic: 1-year Treasury Bill auction
Replies: 42
Views: 2906

Re: 1-year Treasury Bill auction

As I mentioned, investment rate also can be calculated using the spreadsheet, YIELD function with frequency = 1 for Bills of six-month maturity or less, and frequency = 2 for 1-year Bills. Note that YIELD can be used for Bills of any maturity, ... For the 4-week bill issued 7/12/2018 , the 13-week ...
by #Cruncher
Sat Jul 14, 2018 4:57 pm
Forum: Investing - Theory, News & General
Topic: 1-year Treasury Bill auction
Replies: 42
Views: 2906

Re: 1-year Treasury Bill auction

I'm not sure what Fidelity and Vanguard are showing as estimated/indicative yield, but I assume it's coupon-equivalent yield, or what is referred to as "investment rate", not discount rate, in the Treasury auction results. I base my comparisons on investment rate, not discount rate. I was probably ...
by #Cruncher
Fri Jul 13, 2018 3:18 pm
Forum: Investing - Theory, News & General
Topic: 1-year Treasury Bill auction
Replies: 42
Views: 2906

Re: 1-year Treasury Bill auction

If you're going to precisely compare a T-Bill or a T-Note to a bank savings account or CD, I'd suggest converting their stated yields to an Annual Percentage Yield (APY) which is what the bank quotes. For a T-Bill, first compute the price based on its stated yield -- which I'm assuming is the discou...
by #Cruncher
Fri Jul 13, 2018 11:11 am
Forum: Investing - Help with Personal Investments
Topic: Effect of Social Security when Retiring before Benefits Begin
Replies: 5
Views: 1124

Re: Effect of Social Security when Retiring before Benefits Begin

My first post showed the effect of SS benefits on the amount of spending supported by a given amount of savings. This one shows the reverse perspective: how much SS reduces the savings needed to support a given amount of spending. Col A Col B Col C Col D Col E Col F Col G Col H Col I Col J Col K Yea...
by #Cruncher
Wed Jul 11, 2018 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Effect of Social Security when Retiring before Benefits Begin
Replies: 5
Views: 1124

Re: Effect of Social Security when Retiring before Benefits Begin

For simplicity, I have always used 100% of expenses from retirement to start of SS (i.e. I need to have the actual dollars for those years in my portfolio), then 4% after start of SS. Yes, that method is certainly simpler, David. But it understates the amount of supported spending given a positive ...
by #Cruncher
Wed Jul 11, 2018 12:32 pm
Forum: Investing - Help with Personal Investments
Topic: Effect of Social Security when Retiring before Benefits Begin
Replies: 5
Views: 1124

Effect of Social Security when Retiring before Benefits Begin

If one plans to begin collecting Social Security benefits at the same time one retires, it's relatively easy to determine how much SS will affect the savings needed to fund a desired level of spending. Simply subtract the SS benefit from desired spending. The remaining amount is all that need be fun...
by #Cruncher
Sat Jul 07, 2018 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: CD ladder yield calculations
Replies: 2
Views: 567

Re: CD ladder yield calculations

Does anyone have a spreadsheet for figuring out the yield on a portfolio of fixed income securities of various durations? I'm not sure just what you're looking for, leftcoaster. But here's a little spreadsheet that may do what you want -- or at least give you ideas. For a list of CDs it calculates ...
by #Cruncher
Fri Jul 06, 2018 1:27 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 10990

Re: SS taken at 62 vs. 70, but measured from 70+

...One important thing is that after the maximum 85% of SS has been taxed additional SS benefits cause only a 42.5% increase in taxable income. So for instance if one is in the 22% tax bracket, additional SS will be subject to only a 9.35% marginal tax rate. [2] I disagree. Take a single taxpayer w...
by #Cruncher
Thu Jul 05, 2018 11:10 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 10990

Re: SS taken at 62 vs. 70, but measured from 70+

...But 75% of age 70 $3168/month is still lots more than 75% of age 62 $1800/month, to use numbers previously discussed... … But if 2035 falls between age 62 (63?) and 70, it definitely changes the equations. Because then you compare 100% of $1800 for a few years (before dropping to 75%) compared t...
by #Cruncher
Thu Jul 05, 2018 2:06 pm
Forum: Investing - Help with Personal Investments
Topic: Settlement -- Lumpsum vs Annuity?
Replies: 10
Views: 1075

Re: Settlement -- Lumpsum vs Annuity?

About the time of your last post, reformed.trader, I began to wonder about my assumption that the annuity payments were entirely tax free. I was taking the term, "These funds" from this paragraph in the original post to mean that they were. For illustration purposes, I will say the annuity starts at...
by #Cruncher
Thu Jul 05, 2018 9:20 am
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 10990

Re: SS taken at 62 vs. 70, but measured from 70+

Social Security benefits are actuarially neutral, which means that you'll get roughly the same overall benefits (on a present value basis) if you live to average life expectancy, no matter what age you begin taking benefits. Those who claim at other than their Normal Retirement Age (NRA) will recei...
by #Cruncher
Wed Jul 04, 2018 4:12 pm
Forum: Investing - Help with Personal Investments
Topic: Settlement -- Lumpsum vs Annuity?
Replies: 10
Views: 1075

Re: Settlement -- Lumpsum vs Annuity?

It matters how much you think you can earn on the money. At 3% you go with the annuity, at 5% its roughly a wash and at 7% the lump sum makes more sense. The risk-free breakeven is closer to 4% than 5%. Discounting the annual cash flows at about 4.125% produces the $5 million lump sum as the presen...
by #Cruncher
Wed Jul 04, 2018 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Will I ever be able to itemize?
Replies: 64
Views: 4217

Re: Will I ever be able to itemize?

Very rough federal tax calculation, assuming $30k for 401k/HSA/IRA/insurance premiums etc, and $20k worth of deductions: 2017: 130k income - 30k - 28k (itemizing + exemptions) = 72k taxable, tax = $9870 2018: 130k income - 30k - 24k (standard deduction) = 76k taxable, tax = $8740 For a savings of $...
by #Cruncher
Wed Jul 04, 2018 10:00 am
Forum: Investing - Theory, News & General
Topic: Treasury Auction - Nobody Came: "Great T-Bill Massacre"
Replies: 145
Views: 11815

Re: Treasury Auction - Nobody Came: "Great T-Bill Massacre"

Doesn't the process begin with the Treasury choosing at an interest rate to offer? If so, isn't that sort of basically how auctions works? That's not how Treasury auctions work, Nisi. When it announces an auction, the Treasury doesn't set the yield. It merely states the amount it will sell. ($48 bi...
by #Cruncher
Wed Jul 04, 2018 8:32 am
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 10990

Re: SS taken at 62 vs. 70, but measured from 70+

The 172,800 figure was not calculated by estimating a rate of return. Read the first footnote to my previous post more carefully, azanon, and you'll see that I wasn't questioning your $172,800 figure. I was questioning the $257,573 you said it would grow to in eight years. So I don't understand how...
by #Cruncher
Tue Jul 03, 2018 10:00 pm
Forum: Investing - Theory, News & General
Topic: SS taken at 62 vs. 70, but measured from 70+
Replies: 189
Views: 10990

Re: SS taken at 62 vs. 70, but measured from 70+

... I also have $172,800 ($1800x12 months x 8 years) … say I only made 5% on the 172,800 from age 62 to 70. That's $257,573 at year 70 in an investment account plus the 1800/month going forward from age 70. ... And going forward, that $257,573 will have a real return of 4% ... but the extra "360K" ...
by #Cruncher
Tue Jul 03, 2018 4:29 pm
Forum: Personal Consumer Issues
Topic: Please help me solve this Excel problem. Much appreciated!
Replies: 1
Views: 535

Re: Please help me solve this Excel problem. Much appreciated!

1. If the source contains only words with no carriage return, the paste works but I cannot edit the cell afterwards. My question is, is there a way to make it remain editable? Try Paste Special and then choose HTML in Excel. 2. If the source contains multiple paragraphs, meaning it has carriage ret...
by #Cruncher
Mon Jul 02, 2018 3:12 pm
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 88
Views: 20920

Re: Consistent Yield & Duration to Help Choose TIPS Fund

In terms of fund returns, to reinforce your point about short term vs long term tips yields, LTPZ which is the 15+ year tips fund returned 1.81% for the quarter … Whereas vtipx, the vanguard 0-5 yr tips index returned 0.44%. If we crudely think about inflation running at 2% a yeAr or 0.50% a quarte...
by #Cruncher
Mon Jul 02, 2018 8:05 am
Forum: Personal Finance (Not Investing)
Topic: Keeping or breaking a CD in favor of another with tax impact
Replies: 6
Views: 578

Re: Keeping or breaking a CD in favor of another with tax impact

Can anyone point me to a calculator or spreadsheet, or walk me through the calculation of figuring out the break-even point for breaking an existing CD and paying the early withdraw penalty in favor of a new CD? Here's a simple spreadsheet that I use to determine the breakeven. It's illustrated wit...
by #Cruncher
Fri Jun 29, 2018 9:16 pm
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 88
Views: 20920

Re: Consistent Yield & Duration to Help Choose TIPS Fund

I've updated the Yield to Maturity and Duration Calculator with WSJ TIPS Prices 6/29/2018 and the weighting effect of the 5-year auction in April, the 10-year auction in May, and the 30-year auction in June. As shown in the table below, the weighted average yield of the bonds in the 1+ years broad i...
by #Cruncher
Fri Jun 29, 2018 4:49 am
Forum: Investing - Help with Personal Investments
Topic: I-Bond Logistics
Replies: 14
Views: 1820

Re: I-Bond Logistics

Think I get what you mean though, if you buy the sam[e] time 6 months apart, all your bonds would be getting the same rate. No, that's not what I meant, spdoublebass. I meant that if you bought within the six month period May through October or November through April, you'd get the same rates; i.e....
by #Cruncher
Wed Jun 27, 2018 2:11 pm
Forum: Investing - Help with Personal Investments
Topic: I-Bond Logistics
Replies: 14
Views: 1820

Re: I-Bond Logistics

You get maximum diversification by buying twice each year: once during the period May through October and again during the period November through April. All I Bonds issued during these months have the same fixed rate and will have the same sequence of composite rates applied every six months. So, f...
by #Cruncher
Tue Jun 26, 2018 2:45 pm
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 92
Views: 10774

Re: I-bonds look pretty bad right now

For example, setting the fixed rate to 0.3%, and both tax rates to 27% ..., setting CPI to 2.84% gives a 1-year breakeven nominal Treasury rate of 2.35%. Since the 1-year Treasury yield is about 2.35%, inflation would have to exceed 2.84% over the next year for the I Bond return to exceed the 1-yea...
by #Cruncher
Mon Jun 25, 2018 10:31 am
Forum: Investing - Help with Personal Investments
Topic: Individual Treasuries at auction - Cost
Replies: 4
Views: 409

Re: Individual Treasuries at auction - Cost

The whole reason there is an auction is that competitive bids are either at a premium or discount to par. Bids are in terms of yield, not price. After the yield is determined at the auction, it is converted to the price by a formula. At the initial auction of a Treasury note or bond, the coupon is ...
by #Cruncher
Mon Jun 25, 2018 9:40 am
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 92
Views: 10774

Re: I-bonds look pretty bad right now

… So on $10K, the deferral for five years is worth about $10. Good example to isolate the effect of deferral, Kevin. The table below expands your comparison to seven assumed inflation rates from 1.0% to 4.0%, and five different holding periods from 2 to 30 years. To make the differences more compar...
by #Cruncher
Sun Jun 24, 2018 2:12 pm
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 92
Views: 10774

Re: I-bonds look pretty bad right now

... I thought that the penalty is really a sunk cost. Alternatively, if they were more than 1 year but less than 5 years old, you could look at the penalty as boosting your YTM through year 5.... I don't understand the point of framing it in either of these ways. I'm not sure what jeffyscott means ...
by #Cruncher
Fri Jun 22, 2018 10:14 pm
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 92
Views: 10774

Re: I-bonds look pretty bad right now

Since it was a 0% I-bond, I should have (at least) $1000 inflation adjusted 2013 dollars. Based on your inflation figures, I don't. I do not know if that is because of the lag or if the inflation adjustment that you applied to TBM was wrong. Firstly, spdoublebass in this post didn't apply an inflat...
by #Cruncher
Fri Jun 22, 2018 1:54 pm
Forum: Investing - Help with Personal Investments
Topic: How can I find out % return on Vanguard Total Bond Index?
Replies: 9
Views: 1003

Re: How can I find out % return on Vanguard Total Bond Index?

I currently have $3,031 invested in Vanguard Short Term Bond Index . I have noticed that every month I get a dividend distribution of around $6.50. (underline added) Are you sure this is the right fund, Jester? I see a $0.01625 / share May dividend for Short-Term Bond Index Investor Shares (VBISX) ...
by #Cruncher
Fri Jun 22, 2018 12:18 pm
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 92
Views: 10774

Re: I-bonds look pretty bad right now

3. Whenever the 6-month CPI change they use is negative, I Bonds may get a bonus because of what I call the "floor feature" ...). The following table quantifies, for all I Bonds issued before November 2015, the bonus arising from the two cases where the CPI change was negative. [1] For example, scr...
by #Cruncher
Wed Jun 20, 2018 7:29 pm
Forum: Investing - Theory, News & General
Topic: Advice on Roth conversions
Replies: 21
Views: 1668

Re: Advice on Roth conversions

… we plan to liquidate some stock holdings in MegaCorp - to the tune of $300K-400K this year in LTCG -total MegaCorp holding is about $1.1 M. This is likely to continue for 3+ years ... bradpevans: Its not clear how much is basis / how much is gain? ... Good question. The stock sale results in a LT...
by #Cruncher
Wed Jun 20, 2018 10:36 am
Forum: Investing - Help with Personal Investments
Topic: Treasury Direct Question
Replies: 23
Views: 2447

Re: Treasury Direct Question

The way it works is ... Nicely written explanation of how a Treasury auction works, PJW! The auction was today and I now see this information: Maturity Date = 07/19/2018 High Rate = 1.815% Investment Rate = 1.843% Price Per $100 = 99.858833 (These figures appear on the 28-day bill auction results P...
by #Cruncher
Mon Jun 18, 2018 4:46 pm
Forum: Investing - Theory, News & General
Topic: I-bonds look pretty bad right now
Replies: 92
Views: 10774

Re: I-bonds look pretty bad right now

Based on a marginal tax rate of 22%, and assuming that CPI inflation is constant, here is what I got: … The current fixed rate is 0.3%, so no matter how long you hold your I-bond, you'll never keep up with inflation. :| As shown in the following table, this is true for any constant inflation of at ...
by #Cruncher
Mon Jun 18, 2018 11:22 am
Forum: Personal Finance (Not Investing)
Topic: Social Security advice needed
Replies: 28
Views: 2051

Re: Social Security advice needed

... (using the life expectancy of 85), I come up with total payouts at $279,036 if I took it at age 62 and $312,588 at age 66. That's a difference of $33,552. The four years from age 62 to 66 where I would receive the 1,011 a month equals $48,528. Based on the above numbers, it looks like it makes ...
by #Cruncher
Sat Jun 16, 2018 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: When to "raise my rate" (Ally bank CD)
Replies: 19
Views: 2565

Re: When to "raise my rate" (Ally bank CD)

It matures December 2021. Current APY for the CD is 2%, and I can exercise my increase option to raise it to 2.35% immediately. Should I do it now, or wait? Your CD has 3.5 years to run. If you raise the rate to 2.35% now, each $1 of current value will grow to $1.0847 (1.0235 ^ 3.5). The following ...
by #Cruncher
Sat Jun 16, 2018 10:58 am
Forum: Investing - Theory, News & General
Topic: Treasury Notes Return vs Actual TIPS Return
Replies: 11
Views: 3177

Re: Treasury Notes Return vs Actual TIPS Return

I've updated my comparisons to include TIPS maturing in 2018. These are the 10-year TIPS issued in 2008 and the 5-year TIPS issued in 2013. Here is a chart showing the difference between the inflation-adjusted return of a 10-Year TIPS bought at auction and held to maturity and my estimate of the yie...
by #Cruncher
Fri Jun 15, 2018 4:27 pm
Forum: Personal Finance (Not Investing)
Topic: Savings rate to achieve retirement goals?
Replies: 10
Views: 1147

Re: Savings rate to achieve retirement goals?

You need $1,750,000 at a 4% draw to obtain $70K + $30K Social Security. You have $400K today, at a 5% growth rate, you need to contribute $7,027 per MONTH for exactly 120 months [f]or 10 years. You have $400K today, at a 5% growth rate, you need to contribute $3,834.05 per MONTH for exactly 180 mon...
by #Cruncher
Thu Jun 14, 2018 7:22 pm
Forum: Investing - Theory, News & General
Topic: 30 yr tips auction: june 21: 1.0% yield?
Replies: 35
Views: 4040

Re: 30 yr tips auction: june 21: 1.0% yield?

So index factor is 1.01575 and accrued interest is $3.76 per $1000. So if the bond auctions at par one will need $1019.51 per bond. Here is what the total cost would be for other auction yields including the $3.76 interest accrued for 4-1/2 months [1]: Cost per Yield Price $1,000 Face 0.83% 104.457...
by #Cruncher
Thu Jun 14, 2018 4:38 pm
Forum: Personal Finance (Not Investing)
Topic: Long-term gains and Tax Bracket
Replies: 14
Views: 1657

Re: Long-term gains and Tax Bracket

E.g., for $100 LTCG, the marginal rates from ordinary income between $101K and $101.5K are ... Even though it's of no practical use [*], I felt compelled to understand the strange graph you produced, FiveK, particularly the skinny stalagmite that rises between 101,300 and 101,330. But first it's ne...
by #Cruncher
Thu Jun 14, 2018 9:41 am
Forum: Investing - Theory, News & General
Topic: 30 yr tips auction: june 21: 1.0% yield?
Replies: 35
Views: 4040

Re: 30 yr tips auction: june 21: 1.0% yield?

For what it's worth here's a chart of the 30 year yield and the added additional yield over the ten year yield. Good chart, Doc. Here's another that shows the flattening TIPS yield curve. This one is from the start of 2016 and simply shows the weekly yields for the 30-Year , 10-Year , and 5-Year Co...
by #Cruncher
Wed Jun 13, 2018 8:25 am
Forum: Personal Finance (Not Investing)
Topic: Long-term gains and Tax Bracket
Replies: 14
Views: 1657

Re: Long-term gains and Tax Bracket

See tfb's picture (12/11/11 5:26PM) here https://www.bogleheads.org/forum/viewtopic.php?t=86849 Click here to go directly to the post with tfb 's chart. Below is a variant of that chart showing, side-by-side, the long term capital gain (LTCG) brackets and the new 2018 brackets for ordinary income. ...
by #Cruncher
Tue Jun 12, 2018 1:40 pm
Forum: Personal Finance (Not Investing)
Topic: Confused by Two DinkyTown Calculators
Replies: 8
Views: 1276

Re: Confused by Two DinkyTown Calculators

Is there anything I'm missing? If not, then Cruncher could you give me the Excel formula for this? I've built a little spreadsheet around the PMT function with the following changes from the approach in my previous post : Ignore inflation and instead forecast in constant dollars with the assumed in...
by #Cruncher
Mon Jun 11, 2018 7:01 am
Forum: Personal Finance (Not Investing)
Topic: Calculation of APY (Annual Percentage Yield) for Savings
Replies: 10
Views: 704

Re: Calculation of APY (Annual Percentage Yield) for Savings

It is also better (more consistent) to use months that are 1/12 of a year. What do you mean by this, dm200? No month is exactly 1/12 of 365 (or 366) days. What some (perhaps many) banks and credit unions do is advertise/disclose a rounded APY and "back in" the lowest rate that rounds to the desired...
by #Cruncher
Sun Jun 10, 2018 9:08 pm
Forum: Personal Finance (Not Investing)
Topic: Confused by Two DinkyTown Calculators
Replies: 8
Views: 1276

Re: Confused by Two DinkyTown Calculators

Go here... http://www.dinkytown.net/java/RetirementIncome.html … Year(s) of retirement: 39 … It will calculate $7,313 of monthly income - after taxes and adjusted for inflation. That equals $87,756 annually … Go here... http://www.dinkytown.net/java/RetirementDistribution.html … Amount You want to ...
by #Cruncher
Sun Jun 10, 2018 2:59 pm
Forum: Personal Finance (Not Investing)
Topic: Calculation of APY (Annual Percentage Yield) for Savings
Replies: 10
Views: 704

Re: Calculation of APY (Annual Percentage Yield) for Savings

… Calculate interest (rounded to nearest cent) for FIRST compounting period (month in example - is $99.17 Calcullate annual yield (before rounding) - 1.196511961 in this example Round to two decimal places - as required by regulations = 1.20% Your example doesn't work in reverse, dm200. If we start...
by #Cruncher
Sat Jun 09, 2018 4:58 pm
Forum: Investing - Theory, News & General
Topic: Mathematical error in the bogleheads guide to investing book
Replies: 3
Views: 1179

Re: Mathematical error in the bogleheads guide to investing book

It looks like the original poster is referring to this sentence (on page 61 of my paperback edition): In Table 5.7, we can see that the wider spread in the fixed yields (.75 percent) helped the taxable TIPS outperform the lower-yielding I Bond by $116 for those investors in the lowest tax bracket. T...
by #Cruncher
Thu Jun 07, 2018 7:07 pm
Forum: Personal Finance (Not Investing)
Topic: Help needed with formula for calculating future expense
Replies: 4
Views: 342

Re: Help needed with formula for calculating future expense

You could treat inflation as compound interest (like on a CD/Bond). Here is a site that shows how to use it: https://exceljet.net/formula/calculate-compound-interest The referenced webpage does mention the Excel FV function which can provide the answer; but it doesn't give the appropriate usage. Th...
by #Cruncher
Thu Jun 07, 2018 4:52 pm
Forum: Investing - Theory, News & General
Topic: 30 yr tips auction: june 21: 1.0% yield?
Replies: 35
Views: 4040

Re: 30 yr tips auction: june 21: 1.0% yield?

If you don't care about the real yield but only the principal it matters not in matching those long term liabilities. 1% isn't much, but it's not "chopped liver" either. For example the cost of a $30,000 per year 30-year hypothetical [*] ladder with each bond yielding 1% would be about $126,000 les...
by #Cruncher
Thu Jun 07, 2018 8:11 am
Forum: Personal Finance (Not Investing)
Topic: SS calculator for estimated amount $ working min years 40 quarters or fixed # of years
Replies: 12
Views: 982

Re: SS calculator for estimated amount $ working min years 40 quarters or fixed # of years

... I am trying to find out ... the estimated amount of social security ( or PIA??) that I will get say if I only work 10-15 years instead of 30-35 years, but with decent earnings (not low wages) approx 90-120 K ... Below is a table showing the Primary Insurance Amount (PIA) for Case A from the Ben...