Search found 49 matches

by Sylvie
Fri Nov 20, 2020 4:52 pm
Forum: Personal Finance (Not Investing)
Topic: Determining SE health insurance deduction with subsidy
Replies: 6
Views: 282

Re: Determining SE health insurance deduction with subsidy

IRS has guidance on this, and last year TurboTax did the calculation as part of its program. There was a post recently here that apparently the current TurboTax for 2020 still has some bugs in it it is not performing the calculation correctly. https://www.bogleheads.org/forum/viewtopic.php?f=2&...
by Sylvie
Fri Nov 20, 2020 1:56 pm
Forum: Personal Finance (Not Investing)
Topic: Determining SE health insurance deduction with subsidy
Replies: 6
Views: 282

Re: Determining SE health insurance deduction with subsidy

Your healthcare premiums that are deductible are not what you paid during the year... You won't know what SE healthcare premium deduction you can take until you know what you paid (after subsidies) for your healthcare insurance. You won't know that until you do your taxes. It's a complicated RECURS...
by Sylvie
Fri Nov 20, 2020 1:25 pm
Forum: Personal Finance (Not Investing)
Topic: Determining SE health insurance deduction with subsidy
Replies: 6
Views: 282

Determining SE health insurance deduction with subsidy

I'll have self-employment earnings this year. On my taxes, I'll want to deduct the health insurance premiums for my spouse and me -- i.e., I'll take the SE health insurance deduction. I'll put the rest of my self-employment earnings into my SE 401(k). Doing so ensures that our income will be low eno...
by Sylvie
Sat Jul 18, 2020 9:31 am
Forum: Personal Investments
Topic: Sell low, buy high? Or wait in high-expense funds?
Replies: 15
Views: 921

Re: Sell low, buy high? Or wait in high-expense funds?

Thanks all, this is really helpful. I hadn't known that it was partly because they were value funds that they were so much harder-hit than the index I was going to replace them with. Since I'm not purposely shifting our allocation away from value, then replacing one value fund with another does make...
by Sylvie
Fri Jul 17, 2020 12:15 pm
Forum: Personal Investments
Topic: Sell low, buy high? Or wait in high-expense funds?
Replies: 15
Views: 921

Re: Sell low, buy high? Or wait in high-expense funds?

The problem is... BUFBX and BPSIX are down 11% and 27% YTD. The index funds I thought we'd replace them with are flat or more nearly so... These are large cap value and small cap value funds, respectively. What are you looking to replace them with? An index fund in the same asset class should not b...
by Sylvie
Fri Jul 17, 2020 10:52 am
Forum: Personal Investments
Topic: Sell low, buy high? Or wait in high-expense funds?
Replies: 15
Views: 921

Sell low, buy high? Or wait in high-expense funds?

I feel like two basic things I'm supposed to know are: "Don't try to time the market," and "Buy low, sell high." Is it only natural that these conflict? If not, which should we do in this case...: My spouse and I have too many different mutual funds scattered across too many reti...
by Sylvie
Tue Apr 28, 2020 6:27 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 35452

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Harry Livermore wrote: Tue Apr 28, 2020 1:17 pm ... PPP is up in the air, EIDL came in for only $1K, and now perhaps $600/ week PUA...
I thought PPP and unemployment insurance were "choose one." Can you get both? What are the rules?
by Sylvie
Wed Apr 22, 2020 6:18 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 35452

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Uh oh, this is the first I heard of the EIDL program that I believe I qualify for, as a sole proprietor run Airnb short term rental business owner, and now it looks like they are out of funds already. I don't believe I qualify for PPP because I don't have any payroll, I'm the only one the business ...
by Sylvie
Wed Apr 15, 2020 3:29 pm
Forum: Personal Finance (Not Investing)
Topic: More questions about PPP and EIDL for the self-employed (Part I)
Replies: 9
Views: 631

Re: More questions about PPP and EIDL for the self-employed (Part I)

Sorry, my knowledge is pretty much limited to my circumstances. I do have a business bank account and do have 2020 income/expenses (and "invoices"--I assume that means invoices for my services). In fact Chase solicited me to apply for the PPP loan and my Chase online application was alrea...
by Sylvie
Tue Apr 14, 2020 6:43 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 35452

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

To abridge part of my prior post: The PPP now requires "a 2020 invoice, bank statement, or book of record to establish you were in operation on or around February 15, 2020." I don't have an invoice or bank statement. I did have business emails and a conference call with a prospective clien...
by Sylvie
Tue Apr 14, 2020 6:33 pm
Forum: Personal Finance (Not Investing)
Topic: More questions about PPP and EIDL for the self-employed (Part I)
Replies: 9
Views: 631

Re: More questions about PPP and EIDL for the self-employed (Part I)

... So, why would the PPP loan program not cover your lost income? I agree the program coverage does seem very broad, but it's hard to escape the conclusion it covers your situation (as I understand it). It's totally possible, however, that the program will narrow in connection with the SBA's devel...
by Sylvie
Tue Apr 14, 2020 6:09 pm
Forum: Personal Finance (Not Investing)
Topic: EIDL advance taxable?
Replies: 7
Views: 405

Re: EIDL advance taxable?

where did you see this? CARES Act legislation specifically states forgiven loans under the Act are not subject to cancellation of debt taxation. Sorry, not at computer now so can’t pull up exact citation. I think you may mean here , under Taxability. "(i) Taxability.—For purposes of the Intern...
by Sylvie
Tue Apr 14, 2020 6:02 pm
Forum: Personal Finance (Not Investing)
Topic: Stimulus help for small businesses, sole proprietors, s-corp etc
Replies: 627
Views: 35452

Re: Stimulus help for small businesses, sole proprietors, s-corp etc

Looks like an answer and a new question in today's updated SBA document . The answer is to a question I've seen posed a few times in this thread: how self-employed people will calculate payroll for PPP loan forgiveness purposes. It had already been clear before how to calculate it for application pu...
by Sylvie
Tue Apr 14, 2020 4:13 pm
Forum: Personal Finance (Not Investing)
Topic: EIDL advance taxable?
Replies: 7
Views: 405

Re: EIDL advance taxable?

Like you, I saw that forgiven PPP amounts won't be taxed, but haven't seen anything one way or the other about EIDL amounts. Could I tack on to this question... If EIDL amounts DO turn out to be taxable, what's the likely tax scenario for them for a self-employed individual? Would it be forgiven deb...
by Sylvie
Tue Apr 14, 2020 3:11 pm
Forum: Personal Finance (Not Investing)
Topic: More questions about PPP and EIDL for the self-employed (Part I)
Replies: 9
Views: 631

Re: More questions about PPP and EIDL for the self-employed (Part I)

Then I suggest you fill out the application online at your bank's website. Monthly payroll will be your Schedule C net profit / 12. Answer the online questions truthfully to the best of your ability and see where you get. At worst you will get rejected. Next to worst is that you will get a loan at ...
by Sylvie
Tue Apr 14, 2020 2:12 pm
Forum: Personal Finance (Not Investing)
Topic: More questions about PPP and EIDL for the self-employed (Part I)
Replies: 9
Views: 631

Re: More questions about PPP and EIDL for the self-employed (Part I)

Did you file/have you prepared a Schedule C for 2019? Is the net profit a positive number? Yup, Schedule C net profit is where I'm getting the "lowish 5 figures" I mentioned. I do think you are overthinking this process. I've been known to do that... about EVERYTHING :? I guess I see my Q...
by Sylvie
Tue Apr 14, 2020 7:57 am
Forum: Personal Finance (Not Investing)
Topic: More questions about PPP and EIDL for the self-employed (Part I)
Replies: 9
Views: 631

More questions about PPP and EIDL for the self-employed (Part I)

I've spent a few hours reading up, and I've still got lots of questions. Some are dependent on the answers to others, so this post is Part I, covering 'Should I apply' and 'When.' Context I'm self-employed. I don't have employees and I'm not an LLC or S-corp. Firms hire me to do research projects. I...
by Sylvie
Sat Apr 04, 2020 9:22 am
Forum: Investing - Theory, News & General
Topic: Google market charts internally inconsistent?
Replies: 11
Views: 611

Re: Google market charts internally inconsistent?

Ok, so I liked our theory about the discrepancy coming from Google calculating Year to Date return from the beginning of the year only until the end of the most recently concluded month, instead of truly until the current date. And the numbers worked out: the -8.47% YTD return for the example I post...
by Sylvie
Wed Mar 25, 2020 1:58 pm
Forum: Personal Investments
Topic: Investment that grows long-term without (much) income along the way?
Replies: 10
Views: 492

Re: Investment that grows long-term without (much) income along the way?

I'm not too familiar with the specific rules around the subsidies you mentioned, but would charitable donations not be taken into account? If they could be used to reduce the income towards the threshold, and you were willing to hand over some of your gains to charity because you mostly just cared ...
by Sylvie
Wed Mar 25, 2020 11:19 am
Forum: Personal Investments
Topic: Investment that grows long-term without (much) income along the way?
Replies: 10
Views: 492

Investment that grows long-term without (much) income along the way?

We have some cash (5 figures now, possibly low 6 figures eventually) that we don't expect to need for about 15 years. We'd like to invest it wisely for long-term growth, but to delay income from it (interest, dividends, gains, etc.) until we sell it. Until then, we need to avoid even tax-exempt inco...
by Sylvie
Wed Mar 25, 2020 8:16 am
Forum: Investing - Theory, News & General
Topic: Google market charts internally inconsistent?
Replies: 11
Views: 611

Re: Google market charts internally inconsistent?

Interesting. So for Google chart purposes YTD = year to end of last month? It seems like they could just as easily calculate it to the current date. Right? So much so that I wonder if it's actually a long-standing convention or something that made them decide to do it the way they're choosing to in...
by Sylvie
Wed Mar 25, 2020 8:15 am
Forum: Investing - Theory, News & General
Topic: Google market charts internally inconsistent?
Replies: 11
Views: 611

Re: Google market charts internally inconsistent?

Why would you expect them to start with the value at the end of the first day of the year? Starting with the previous year close seems like the correct choice to me. Sure, that makes sense -- I only looked at the value I did because it was the first value available on the YTD chart, which I'd expec...
by Sylvie
Tue Mar 24, 2020 8:59 pm
Forum: Investing - Theory, News & General
Topic: Google market charts internally inconsistent?
Replies: 11
Views: 611

Re: Google market charts internally inconsistent?

The -8.47% "YTD return" seems to be from 12/31/2019's $11.34 to 2/28/2020's $10.38. (You can see the $11.34 for 12/31 by switching to "1 Year" view and sliding the cursor slowly over the graph near the end of 2019.) It's lazy software design that the "YTD return" doesn...
by Sylvie
Tue Mar 24, 2020 8:26 pm
Forum: Investing - Theory, News & General
Topic: Google market charts internally inconsistent?
Replies: 11
Views: 611

Re: Google market charts internally inconsistent?

If I had to guess, I'd say that it's calculating only to the end of February, instead of to today's price. Just a guess. Oh, interesting. At the end of Feb, the chart says that one was $10.38, which is still slightly off from the reported YTD's 8.47% decrease, but only by a bit. If those are both c...
by Sylvie
Tue Mar 24, 2020 3:09 pm
Forum: Investing - Theory, News & General
Topic: Google market charts internally inconsistent?
Replies: 11
Views: 611

Google market charts internally inconsistent?

My apologies if this is either embarrassingly basic and/or if it's already been discussed to death. I'm trying to make sense of Google's market charts. The YTD return doesn't seem to match what the chart shows. E.g., say I look at the chart for FZROX, and switch it to YTD view . If I hover at the be...
by Sylvie
Tue Mar 10, 2020 9:40 am
Forum: Personal Finance (Not Investing)
Topic: Can I double-deduct profits? What's my strategy? (SE 401(k), Self-employed health insurance, and Medical expenses)
Replies: 11
Views: 493

Re: Can I double-deduct profits? What's my strategy? (SE 401(k), Self-employed health insurance, and Medical expenses)

This part is helpful too, and I have one follow-up question about it: What's the reasoning between having 2. and 3. in that order (assuming by 3. you're including my SE401(k))? I see why 1. should come before both, and why 4. and 5. should come after... And I suspect the reasoning for having 2. bef...
by Sylvie
Tue Mar 10, 2020 8:28 am
Forum: Personal Finance (Not Investing)
Topic: Can I double-deduct profits? What's my strategy? (SE 401(k), Self-employed health insurance, and Medical expenses)
Replies: 11
Views: 493

Re: Can I double-deduct profits? What's my strategy? (SE 401(k), Self-employed health insurance, and Medical expenses)

If this is for the 2019 tax year, the one-participant 401k must have been adopted by 12/31/19. IRA compensation is required to make IRA contributions. If you or your spouse have no W-2 wages. Your IRA compensation = your self-employed earned income (business profits - 1/2 SE tax) - any pre-tax cont...
by Sylvie
Mon Mar 09, 2020 6:17 pm
Forum: Personal Finance (Not Investing)
Topic: Self-employed health insurance deduction if I declined spouse's COBRA?
Replies: 10
Views: 612

Re: Self-employed health insurance deduction if I declined spouse's COBRA?

Just returning to this thread for a more specific wrap-up. Thanks to the replies, I'm now comfortable taking the SE health insurance deduction for my ACA premiums even though I had the option of going onto my spouse's COBRA. I checked and the COBRA plan isn't subsidized, so I didn't have what otherw...
by Sylvie
Mon Mar 09, 2020 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Can I double-deduct profits? What's my strategy? (SE 401(k), Self-employed health insurance, and Medical expenses)
Replies: 11
Views: 493

Re: Can I double-deduct profits? What's my strategy? (SE 401(k), Self-employed health insurance, and Medical expenses)

That link helps a lot, thanks! It explains that I can't count the same dollar of profit as a deductible SE health insurance premium AND a deductible SE 401(k) contribution. It further suggests that the best strategy is to maximize the SE health insurance premium deduction first, since it's forever w...
by Sylvie
Mon Mar 09, 2020 1:15 pm
Forum: Personal Finance (Not Investing)
Topic: Can I double-deduct profits? What's my strategy? (SE 401(k), Self-employed health insurance, and Medical expenses)
Replies: 11
Views: 493

Re: Can I double-deduct profits? What's my strategy? (SE 401(k), Self-employed health insurance, and Medical expenses)

Nyc10036, what I mean by double-deduct is: I'm allowed to deduct SE health insurance premiums to the extent that I have SE profits. I'm allowed to deduct SE401(k) contributions to the extent that I have SE profits. For me, I don't have enough profits to sum to SE health insurance premiums PLUS maxed...
by Sylvie
Mon Mar 09, 2020 12:26 pm
Forum: Personal Finance (Not Investing)
Topic: Can I double-deduct profits? What's my strategy? (SE 401(k), Self-employed health insurance, and Medical expenses)
Replies: 11
Views: 493

Can I double-deduct profits? What's my strategy? (SE 401(k), Self-employed health insurance, and Medical expenses)

Thanks so much for the great replies on my last thread about topics related to these. I have some follow-up questions. 1. I am self-employed (independent freelancer; there's no LLC or business name aside from my own) and had net profits. I want to contribute my profits to a Self-Employed 401(k), whi...
by Sylvie
Wed Mar 04, 2020 8:17 pm
Forum: Personal Finance (Not Investing)
Topic: Self-employed health insurance deduction if I declined spouse's COBRA?
Replies: 10
Views: 612

Re: Self-employed health insurance deduction if I declined spouse's COBRA?

This is super-helpful! I need to read through it and the linked info more thoroughly and then I'll follow up more specifically, but in the meantime, just a general thank you VERY much!
by Sylvie
Tue Mar 03, 2020 11:01 am
Forum: Personal Finance (Not Investing)
Topic: Self-employed health insurance deduction if I declined spouse's COBRA?
Replies: 10
Views: 612

Self-employed health insurance deduction if I declined spouse's COBRA?

I'm self-employed but I was on my husband's employer-based health insurance at the beginning of the year, and I could have gone on his COBRA plan after he left that job. My understanding is that for employees, health insurance premiums are only deductible if they, along with other medical expenses, ...
by Sylvie
Mon Dec 23, 2019 9:52 am
Forum: Personal Investments
Topic: Should I have a SEP IRA, SIMPLE IRA, or Self-Employed 401(k) (plus traditional or Roth)?
Replies: 15
Views: 694

Re: Should I have a SEP IRA, SIMPLE IRA, or Self-Employed 401(k) (plus traditional or Roth)?

That all makes sense, retiredjg, and thanks for the clarifications! I appreciate all your time and help.
by Sylvie
Sun Dec 22, 2019 5:34 pm
Forum: Personal Investments
Topic: Should I have a SEP IRA, SIMPLE IRA, or Self-Employed 401(k) (plus traditional or Roth)?
Replies: 15
Views: 694

Re: Should I have a SEP IRA, SIMPLE IRA, or Self-Employed 401(k) (plus traditional or Roth)?

For the 2019 employee deferral election, you can state a dollar amount or a % of net earnings or something along the lines of you elect to contribute 100% of net earnings up to the IRS deferral limit. Ok, that would work well... but ugh, that same form poses two problems: - First, it allows a %, wh...
by Sylvie
Sun Dec 22, 2019 5:20 pm
Forum: Personal Investments
Topic: Should I have a SEP IRA, SIMPLE IRA, or Self-Employed 401(k) (plus traditional or Roth)?
Replies: 15
Views: 694

Re: Should I have a SEP IRA, SIMPLE IRA, or Self-Employed 401(k) (plus traditional or Roth)?

All quotes in your post, two above, are from retiredjg. Yes, you're right! I hit the little quote button with the desired parts selected, but that seems to pull in the wrong author, which I see now I should have corrected manually! I'll see if I can still edit. (Late addition: ok, I did.) In any ca...
by Sylvie
Sun Dec 22, 2019 5:12 pm
Forum: Personal Investments
Topic: Should I have a SEP IRA, SIMPLE IRA, or Self-Employed 401(k) (plus traditional or Roth)?
Replies: 15
Views: 694

Re: Should I have a SEP IRA, SIMPLE IRA, or Self-Employed 401(k) (plus traditional or Roth)?

Ok, here's the second of two replies, this one for HomeStretch's points... If you are eligible for the QBI deduction I think I'm not, because my freelancing is as a consultant. But then again, I'm not sure whether what the IRS considers consulting is what I do. Your net earnings from self-employment...
by Sylvie
Sun Dec 22, 2019 4:59 pm
Forum: Personal Investments
Topic: Should I have a SEP IRA, SIMPLE IRA, or Self-Employed 401(k) (plus traditional or Roth)?
Replies: 15
Views: 694

Re: Should I have a SEP IRA, SIMPLE IRA, or Self-Employed 401(k) (plus traditional or Roth)?

I'm going to post two replies, one to the points raised by HomeStretch, and this one to the points raised by retiredjg. Thank you both for your input! Your presentation... is a wall of words from which the important details must be extracted... Sorry if that sounds harsh, but I assumed you'd like to...
by Sylvie
Sat Dec 21, 2019 11:34 am
Forum: Personal Investments
Topic: Should I have a SEP IRA, SIMPLE IRA, or Self-Employed 401(k) (plus traditional or Roth)?
Replies: 15
Views: 694

Re: Should I have a SEP IRA, SIMPLE IRA, or Self-Employed 401(k) (plus traditional or Roth)?

Thanks for bumping my novella... I have some updates: I went ahead and opened a self-employed 401(k) account, since that was the part with the end-of-year deadline. Now I have until April to decide about funding it and IRAs. I figured out that with our 2019 income plus my spouse's 403(b) plus my acc...
by Sylvie
Tue Dec 17, 2019 5:13 pm
Forum: Personal Investments
Topic: Should I have a SEP IRA, SIMPLE IRA, or Self-Employed 401(k) (plus traditional or Roth)?
Replies: 15
Views: 694

Should I have a SEP IRA, SIMPLE IRA, or Self-Employed 401(k) (plus traditional or Roth)?

I'm very confused about whether establishing a SEP IRA, SIMPLE IRA, or Self-Employed 401(k) would meet my goals when combined with a traditional IRA (or a Roth if funds wouldn't be deductible anyway in a traditional). With the details below, can anyone explain which to do? Context : My husband (53 y...
by Sylvie
Mon Sep 05, 2016 5:47 pm
Forum: Investing - Theory, News & General
Topic: How to model a reverse mortgage into early retirement simulations?
Replies: 12
Views: 2034

Re: How to model a reverse mortgage into early retirement simulations?

Ok, well good to confirm that at least! Thanks for checking even though you felt sure. I still don't know how to model a line of credit into a simulator, and whether the way I proposed of figuring out what that number should be is any good. So, unless more advice is forthcoming, looks like I'll have...
by Sylvie
Mon Sep 05, 2016 1:42 pm
Forum: Investing - Theory, News & General
Topic: How to model a reverse mortgage into early retirement simulations?
Replies: 12
Views: 2034

Re: How to model a reverse mortgage into early retirement simulations?

The second to last row of the table says that the monthly term is "Tenure." It says here: http://www.reversemortgage.org/About/Types-of-Reverse-Mortgages/HECM-Payment-Options that "Tenure Payment" "provides borrowers with fixed monthly payments for as long as the person liv...
by Sylvie
Mon Sep 05, 2016 11:15 am
Forum: Investing - Theory, News & General
Topic: How to model a reverse mortgage into early retirement simulations?
Replies: 12
Views: 2034

Re: How to model a reverse mortgage into early retirement simulations?

Thank you again! Where did "monthly income for life" come from? The second to last row of the table says that the monthly term is "Tenure." It says here: http://www.reversemortgage.org/About/Types-of-Reverse-Mortgages/HECM-Payment-Options that "Tenure Payment" "pro...
by Sylvie
Sun Sep 04, 2016 5:27 pm
Forum: Investing - Theory, News & General
Topic: How to model a reverse mortgage into early retirement simulations?
Replies: 12
Views: 2034

Re: How to model a reverse mortgage into early retirement simulations?

Thanks for the replies, which are helpful but also confirm that I'm in over my head... Further clarifications on the following points would be great. Whaleknives, I think you're saying that if I were using the default inputs, I'd want to input either $690.99 or $727.33 as monthly income for life. Or...
by Sylvie
Sat Sep 03, 2016 12:20 pm
Forum: Investing - Theory, News & General
Topic: How to model a reverse mortgage into early retirement simulations?
Replies: 12
Views: 2034

How to model a reverse mortgage into early retirement simulations?

I'm running simulations of early retirement to see what the odds are that our funds will last under various scenarios. I'd like to try modeling in a hypothetical reverse mortgage. (We will own a home free and clear, and have no kids to leave it to, but I do understand that reverse mortgages have hig...
by Sylvie
Wed Aug 24, 2016 4:02 pm
Forum: Investing - Theory, News & General
Topic: Simulator with manually entered growth rate WITH Monte Carlo deviations?
Replies: 7
Views: 828

Re: Simulator with manually entered growth rate WITH Monte Carlo deviations?

Note the length of time given; you may or may not want to adjust the numbers if you're looking at a longer horizon. Thanks, looks like I have my reading list! Per your penultimate point, I probably should have mentioned that the relevant length of time is 57 years (to my planning age of 105, based ...
by Sylvie
Wed Aug 24, 2016 3:21 pm
Forum: Investing - Theory, News & General
Topic: Simulator with manually entered growth rate WITH Monte Carlo deviations?
Replies: 7
Views: 828

Re: Simulator with manually entered growth rate WITH Monte Carlo deviations?

It doesn't matter what you do, so try everything. The real future will be different anyways. Ha! Point taken. Still would appreciate some arguments for justifiable deviations or methods of calculating them. Also, in lower growth periods, does inflation tend to be lower as well? Or does that not cor...
by Sylvie
Wed Aug 24, 2016 2:54 pm
Forum: Investing - Theory, News & General
Topic: Simulator with manually entered growth rate WITH Monte Carlo deviations?
Replies: 7
Views: 828

Re: Simulator with manually entered growth rate WITH Monte Carlo deviations?

Thanks for these helpful replies. Any idea how to determine a reasonable deviation to enter? What have deviations historically been, for equities and for other asset classes? If I model a lower growth rate, would it make the most sense to enter a lower deviation as well? Or do lower growth periods n...
by Sylvie
Mon Aug 22, 2016 11:49 am
Forum: Investing - Theory, News & General
Topic: Simulator with manually entered growth rate WITH Monte Carlo deviations?
Replies: 7
Views: 828

Simulator with manually entered growth rate WITH Monte Carlo deviations?

I'd like to model our early retirement plan's chances of success. I know that some modeling tools allow manually entering an average growth rate. I know that others run Monte Carlos. I know On Trajectory can do either. But it doesn't do them IN COMBINATION, which I think my CFP's tool does. That is,...