Search found 3532 matches

by neurosphere
Sat May 23, 2020 10:44 am
Forum: Personal Investments
Topic: QSBS (Section 1202 Exclusion) related question, can they be funds?
Replies: 2
Views: 4244

Re: QSBS (Section 1202 Exclusion) related question, can they be funds?

I know this is an old post, but I also just today learned about the "section 1202" exclusion, and wondered how it might be applicable to a typical mutual fund or ETF investor. It seems the key is in one of the criteria "Your stock must be acquired at its original issue (not from a secondary market)....
by neurosphere
Fri May 15, 2020 7:21 am
Forum: Personal Finance (Not Investing)
Topic: Term Life Insurance- What to do at end of Term?
Replies: 37
Views: 2457

Re: Term Life Insurance- What to do at end of Term?

Regarding suggestions for laddered policies. While it's not a bad idea, just keep inflation in mind. The face value of a 30 year policy, in 20 years, may not look nearly at large, and may turn out to be close to what you need. Of course, it depends on inflation (if any). :D
by neurosphere
Thu May 14, 2020 5:15 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Calculation question
Replies: 17
Views: 990

Re: Attn: Social Security Calculation experts!

Keep in mind it's not the 35 highest earnings that are used, but the 35 highest INDEXED earnings. In general, older earnings are more valuable, dollar for dollar. $30,000/year 30 years ago may count more towards your benefit than $100,000 last year (just an example, dummy numbers).
by neurosphere
Mon May 11, 2020 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960
Replies: 59
Views: 4534

Re: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960

The April jobs report showed a jump in average wage (due to most of the job losses occurring in the lowest wage jobs). Others have already touched on this... Any particular change in the monthly average wage number is misleading, because each person who works for any fraction of the year is counted...
by neurosphere
Mon May 11, 2020 2:03 pm
Forum: Investing - Theory, News & General
Topic: Paul Tudor: Compelling case for bitcoin ?
Replies: 213
Views: 9986

Re: Paul Tudor: Compelling case for bitcoin ?

The technology behind bitcoin is intriguing and such currencies may indeed oneday be in widespread use. But why is bitcoin, in particular a good investment? Does it have an unexpiring patent on blockchain currencies? Why won't we all be using some other "it coin". I like "chitcoin" (and I'm certain ...
by neurosphere
Sat May 09, 2020 6:26 pm
Forum: Personal Finance (Not Investing)
Topic: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?
Replies: 26
Views: 1595

Re: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?

[use this link above, celia's name, to see the post of celia's I'm quoting...] Celia, thanks for your input! -- I tried to engage in "clarifications" as you note. It was clear he did not wish to engage. -- The vacation home trust (which we've now established exists) is "reasonably" well written as ...
by neurosphere
Sat May 09, 2020 4:50 pm
Forum: Personal Finance (Not Investing)
Topic: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?
Replies: 26
Views: 1595

Re: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?

Even 20 years ago the better lawyers knew not to mandate distribution at age 45 (or any other age).... In what state does he live? In what state is the vacation home? Does he live in a state where a revocable trust would be appropriate? If not, it's more likely that there are other issues.... His w...
by neurosphere
Sat May 09, 2020 3:46 pm
Forum: Personal Finance (Not Investing)
Topic: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?
Replies: 26
Views: 1595

Re: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?

8 trusts? Unless he’s in the 8 figure club (and comfortably so), that makes no sense, though it may have when the estate tax exemption was much lower. Yes, was when estate tax was much lower. But no, the overall assets are modest. High six figures? Just guessing though. And the businesses will like...
by neurosphere
Sat May 09, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?
Replies: 26
Views: 1595

Re: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?

Edit: A records search shows that the vacation home is indeed in the name of the trust, despite the settlor telling me "no, it doesn't need to be" or something to that effect. See below. Or in less than an hour of a higher priced lawyer's time. lol, yes. You said it's his vacation home and he's ther...
by neurosphere
Sat May 09, 2020 2:56 pm
Forum: Personal Finance (Not Investing)
Topic: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?
Replies: 26
Views: 1595

Re: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?

Are you involved with the spouse as well? Is there a will, trust, or both? Do you know what they say? The spouse would likely want me to be involved in some way, yes, to help. Husband and wife each have a will, a living trust, and I have recently received the documents. I've read through them, and ...
by neurosphere
Sat May 09, 2020 2:09 pm
Forum: Personal Finance (Not Investing)
Topic: PPP, 'owner compensation replacement', 75% on payroll. math does not seem to work. what am I missing?
Replies: 24
Views: 1964

Re: PPP, 'owner compensation replacement', 75% on payroll. math does not seem to work. what am I missing?

- 75 % of the PPP loan is expected to be used on 'payroll' for any amount to be forgiven. Isn't it 75% for ALL of the loan to be forgiven, and less than that it's prorated? I might be confusing the other "75%" requirement (that which applies to the salary of each individual employee) which if not m...
by neurosphere
Sat May 09, 2020 12:54 pm
Forum: Personal Finance (Not Investing)
Topic: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?
Replies: 26
Views: 1595

Re: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?

The intent to transfer is meaningless unless he in fact transferred. As I read the quoted language, this appears to be a pour over will which will devise the vacation home to the RLT. Gill I assume RLT is revocable living trust. In the section "specific distributions" it mentions several other prop...
by neurosphere
Sat May 09, 2020 12:12 pm
Forum: Personal Finance (Not Investing)
Topic: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?
Replies: 26
Views: 1595

Re: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?

With three other trustees, you could simply resign and let them deal with it. True. Each trustee is also an equal beneficiary, which complicates things. But yes, I can always just "walk away" and let the others sort it out. But then, I'm far and away the most capable person to deal with the mess, a...
by neurosphere
Sat May 09, 2020 11:56 am
Forum: Personal Finance (Not Investing)
Topic: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?
Replies: 26
Views: 1595

Re: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?

Is the will a pourover will leaving everything to the trust? If so, that would get the vacation home to the trust. If not, the only other way for the vacation home into the trust is to deed it now into the trust. That would be a very simple matter and cost very little. Gill "3A(l) Separate List/or ...
by neurosphere
Sat May 09, 2020 11:37 am
Forum: Personal Finance (Not Investing)
Topic: Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?
Replies: 26
Views: 1595

Owner of home created trust for home with "intent" to transfer title, but did not. Status of trust?

[Edit: downthread I learn that the vacation home title was indeed transferred to the trust] Summary (tl;dr) : Man creates a trust for a vacation home. Let's call it the "vacation home trust". Trust reads "Settlor intends to create a trust" and later "intends to transfer ownership of his residence". ...
by neurosphere
Fri May 08, 2020 7:43 pm
Forum: Personal Finance (Not Investing)
Topic: Is my CPA overcharging me?
Replies: 24
Views: 3142

Re: Is my CPA overcharging me?

mrveebs1122 wrote:
Fri May 08, 2020 12:48 pm
I was frustrated he did not communicate his price before doing this work.
There was no indication prior to you hiring him what the cost of his services would be? Hourly vs flat fee and how much, etc?
by neurosphere
Thu May 07, 2020 8:17 pm
Forum: Investing - Theory, News & General
Topic: Finding Bond muni covenants non profit hospital
Replies: 4
Views: 203

Re: Finding Bond muni covenants non profit hospital

I am an employed physician of a non-profit healthcare system that is in danger of having its bond rating downgraded to junk. They have issued lots of municipal bonds. Is there a way to find out what specifically the bond covenants would require would this to happen? Willing to pay a fee. Even willi...
by neurosphere
Wed May 06, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960
Replies: 59
Views: 4534

Re: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960

My spouse is 67 (born in 1952), and for the last 18 months has been collecting a SS benefit based on my work record (a restricted application for spousal benefits ). She will file for benefits based on her own work record when she turns 70. How will this affect her? It has no effect on anyone over ...
by neurosphere
Wed May 06, 2020 4:32 pm
Forum: Personal Finance (Not Investing)
Topic: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960
Replies: 59
Views: 4534

Re: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960

SS benefits are indeed directly proportional to the AWI at age 60. And for those who don't know, it's going to be a while before we know the 2020 value, which comes out in the fall of 2021 (October, if memory serves). Although, W2s are due by March 31st. So SS will have a pretty good idea at that p...
by neurosphere
Wed May 06, 2020 3:50 pm
Forum: Personal Finance (Not Investing)
Topic: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960
Replies: 59
Views: 4534

Re: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960

So what's the average SS payment? How much less will it be than for people born in 1959? This white paper estimates that we could see a 15% drop in the Average Wage Index in 2020. Therefore, for a medium wage worker aged 60 in 2020, a 15% decline this year in the Average Wage Index could lead to a ...
by neurosphere
Wed May 06, 2020 8:24 am
Forum: Personal Investments
Topic: Lock in TIAA Trad 3% minimum?
Replies: 5
Views: 746

Re: Lock in TIAA Trad 3% minimum?

Like many employers, mine has negotiated a new contract with TIAA that gives us access to Vanguard funds, but replaces the Traditional contract with one that guarantees only a 1% minimum, versus our current 3%. The implementation of the new plan has been delayed due to coronavirus, so I still have ...
by neurosphere
Mon May 04, 2020 3:38 pm
Forum: Personal Finance (Not Investing)
Topic: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960
Replies: 59
Views: 4534

Re: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960

FiveK wrote:
Mon May 04, 2020 12:16 pm
HobbesMB wrote:
Mon May 04, 2020 10:48 am
My wife turned 60 on December 31, 2019, the final day of the year. I assume the AWI index that will be used for her calculations is the 2019 number and not the 2020 number, is that correct?
Yes.
Because someone will ask, what about a person who turned 60 on January 1st? :wink:
by neurosphere
Sun May 03, 2020 1:41 pm
Forum: Investing - Theory, News & General
Topic: Boglehead on Investing Podcast, partial transcription of Episode 1 with John C. Bogle
Replies: 38
Views: 3146

Re: Boglehead on Investing Podcast, partial transcription of Episode 1 with John C. Bogle

Barry Barnitz wrote:
Sun May 03, 2020 12:33 pm
Now might be a good time, if you have extra time and would like to help.
I've edited/corrected the first half of Mike Piper' podcast (episode 7), up to about the 26 minute mark. I made a note in the text to show where I left off.
by neurosphere
Sat May 02, 2020 8:00 pm
Forum: Personal Finance (Not Investing)
Topic: Please help me unravel my parents mess
Replies: 55
Views: 6604

Re: Please help me unravel my parents mess

Maybe I'm being naive but I can't help but blame the "advisor." As a physician I guess I viewed the relationship similar to a doctor-patient relationship. One party has all the knowledge and another party is in need of some help and places their trust in that person. I'm a physician too (peds neuro...
by neurosphere
Sat May 02, 2020 7:26 pm
Forum: Personal Investments
Topic: Help evaluating whole life policy- in force illustration
Replies: 8
Views: 860

Re: Help evaluating whole life policy- in force illustration

If you’ve paid $156 per year for 20 years, you probably have a very small gain for tax purposes. I’d surrender the policy and go on my way. Agreed. I'd be annoyed with having to keep up with the annual payment, autopay or not. Just another account to deal with, and another policy/account for benefi...
by neurosphere
Thu Apr 30, 2020 4:40 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual (65 to Life) Insurance. Keep it?
Replies: 42
Views: 2125

Re: Northwestern Mutual (65 to Life) Insurance. Keep it?

Technically, registered investment adviser representatives are fiduciary, and hold a series 65 license. Advisors are not fiduciaries and usually hold a sales person license. Although the "ER" form of adviser is used in the language for RIAs (e.g. in the laws which define the term), there is no lega...
by neurosphere
Thu Apr 30, 2020 7:56 am
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual (65 to Life) Insurance. Keep it?
Replies: 42
Views: 2125

Re: Northwestern Mutual (65 to Life) Insurance. Keep it?

Technically, registered investment adviser representatives are fiduciary, and hold a series 65 license. Advisors are not fiduciaries and usually hold a sales person license. Although the "ER" form of adviser is used in the language for RIAs (e.g. in the laws which define the term), there is no lega...
by neurosphere
Wed Apr 29, 2020 6:05 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual (65 to Life) Insurance. Keep it?
Replies: 42
Views: 2125

Re: Northwestern Mutual (65 to Life) Insurance. Keep it?

I spoke to the salesman a little and he is telling me that this safe investment will outperform any other safe investment I could invest in. Bonds, in the long term, will get me 1.6% taxable return per year. What do you think about this? What are other good, safe investments that will outperform WL...
by neurosphere
Tue Apr 28, 2020 5:41 pm
Forum: Personal Investments
Topic: TLH - but now have short terms gains!
Replies: 19
Views: 1204

Re: TLH - but now have short terms gains!

I’m fine holding either fund forever. The OCD person in me likes to have the fewest funds possible. Plus it screws up my AA Excel document - But that’s not a deal breaker and easily remedied. Yes it is [edit, by which I mean, yes, easily remedied, lol]. Keep totals for like-assets on one sheet, and...
by neurosphere
Tue Apr 28, 2020 4:04 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual (65 to Life) Insurance. Keep it?
Replies: 42
Views: 2125

Re: Northwestern Mutual (65 to Life) Insurance. Keep it?

I assume you mean "Advisor or adviser". What is the difference between an advisor and an adviser? In this case, though, I think the person was probably an insurance agent or an insurance salesperson rather than an advisor or an adviser. As far as I'm concerned, there is no difference and I use thos...
by neurosphere
Tue Apr 28, 2020 3:14 pm
Forum: Personal Finance (Not Investing)
Topic: Northwestern Mutual (65 to Life) Insurance. Keep it?
Replies: 42
Views: 2125

Re: Northwestern Mutual (65 to Life) Insurance. Keep it?

Thank you for your replies, everyone. I just wanted to get information on both sides on this one and give myself some ammunition for the pompous bro investor of mine who will undoubtedly try to get me to keep this one. I've just contacted him, asking to get this surrender started. I assume you mean...
by neurosphere
Fri Apr 24, 2020 11:35 am
Forum: Investing - Theory, News & General
Topic: A Problem? with the 3 Fund Portfolio - what to do with Market Education?
Replies: 22
Views: 1270

Re: A Problem? with the 3 Fund Portfolio - what to do with Market Education?

I have never been good at accepting the status quo - even when evidence of the math and elegance of past performance of the three fund is undeniable. After all, past performance is no guarantee of future returns. You entire post can be focused on this one comment I've quoted. Hypothesis: (example) ...
by neurosphere
Thu Apr 23, 2020 4:29 pm
Forum: Personal Investments
Topic: All the upside of the S&P with 10% downside protection "Free"?
Replies: 116
Views: 7843

Re: All the upside of the S&P with 10% downside protection "Free"?

As we wind this thread down, I’m wondering if there is a generic name for this type of product. I believe that it is an increasingly popular product, and can sound attractive because of the “smoke and mirrors” sales pitch that OP got. BHs know what a “variable annuity” is. Also an “indexed annuity”...
by neurosphere
Thu Apr 23, 2020 1:11 pm
Forum: Personal Investments
Topic: All the upside of the S&P with 10% downside protection "Free"?
Replies: 116
Views: 7843

Re: All the upside of the S&P with 10% downside protection "Free"?

Oicuryy and neurosphere, I think you both shined a lot of light on the issue. The confusion seems the advisor is interchanging “fund” and “index”. I wrote him back, I’ll keep you guys updated. Yes, please keep us updated. But, an honest question. Is there any possible answer you could get which wou...
by neurosphere
Thu Apr 23, 2020 12:51 pm
Forum: Personal Investments
Topic: All the upside of the S&P with 10% downside protection "Free"?
Replies: 116
Views: 7843

Re: All the upside of the S&P with 10% downside protection "Free"?

I'll make a prediction, just for fun. The insurance salesman will make a "yes you are right, but..." kind of comment. Alternately, they'll answer the question like "all dividends are indeed reinvested" without specifying whether the specific index you might choose has any dividends to reinvest. E.g...
by neurosphere
Thu Apr 23, 2020 8:00 am
Forum: Personal Investments
Topic: All the upside of the S&P with 10% downside protection "Free"?
Replies: 116
Views: 7843

Re: All the upside of the S&P with 10% downside protection "Free"?

I just emailed their advisor and cc’d my relatives with what the email answer says vs what the prospectus says with regard to dividend treatment and asked them to explain. I will let you know his answer. Note that dividends ARE reinvested for those options which INCLUDE dividends. So don't get fool...
by neurosphere
Thu Apr 23, 2020 7:55 am
Forum: Personal Investments
Topic: All the upside of the S&P with 10% downside protection "Free"?
Replies: 116
Views: 7843

Re: All the upside of the S&P with 10% downside protection "Free"?

They also have 20% downside protection but a 150% upside cap for a 6 year term which would offer a nice cushion with this volatility. If I was inclined to look at this sort of thing at all, which I definitely am not, I would find this version more appealing. About the only time in history where the...
by neurosphere
Thu Apr 23, 2020 7:29 am
Forum: Personal Investments
Topic: All the upside of the S&P with 10% downside protection "Free"?
Replies: 116
Views: 7843

Re: All the upside of the S&P with 10% downside protection "Free"?

I just re-read the prospectus for the b-class shares... Ok, so did I. Or at least, the relevant parts. And there is no mention of dividends, other than to say they are neither paid to you nor reinvested nor credited to you if you choose the SP500 price index to track. Just pull up the linked prospe...
by neurosphere
Wed Apr 22, 2020 2:57 pm
Forum: Personal Investments
Topic: Refinancing (My Rental Property) or other options to have the cash to max out my 457B
Replies: 4
Views: 299

Re: Refinancing (My Rental Property) or other options to have the cash to max out my 457B

Let's simplify your question: "Should I borrow money in order to invest in an employer retirement account" I suspect almost everyone will tell you "no". Yes, you might expect higher long term returns on equities compared to the debt. But... Don't worry about not being able to max it out. Simply cont...
by neurosphere
Tue Apr 21, 2020 5:04 pm
Forum: Personal Finance (Not Investing)
Topic: Parents want me to pay off their mortgage in exchange for title
Replies: 102
Views: 9210

Re: Parents want me to pay off their mortgage in exchange for title

Your parents in effect are offering you $370,000 to let them live in your house for life. How is this not a good deal for you? "For life" can be a long time, especially if it's a "second to die" life. And $370,00 can get eaten up faster than expected if OP also has to pay taxes, maintenance. Given ...
by neurosphere
Tue Apr 21, 2020 3:45 pm
Forum: Personal Finance (Not Investing)
Topic: Tax question about husband and wife independent contractors who earn 1099-MISC
Replies: 3
Views: 328

Re: Tax question about husband and wife independent contractors who earn 1099-MISC

If the husband is a sole proprietor, can he pay his wife as a W-2 employee? Yes. But also re-read the following to see if it's necessary: However, there is far better option as long as the business is not an LLC in a non-community property state and the wife materially participates (primarily perfo...
by neurosphere
Sat Apr 18, 2020 9:42 pm
Forum: Personal Investments
Topic: What are 457 B distribution options at termination of employment
Replies: 3
Views: 260

Re: What are 457 B distribution options at termination of employment

my employment with nonprofit, non government system is been terminated. I received letter from plan sponsor regarding taking distribution. Roll over is not allowed with this plan. I dont want to take distribution as I am in high tax bracket and would like to defer taxes until retirement (20 yrs to ...
by neurosphere
Sat Apr 18, 2020 2:53 pm
Forum: Personal Finance (Not Investing)
Topic: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960
Replies: 59
Views: 4534

Re: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960

Background: -- SS benefits depend in part on national wages (i.e. the national average wage index aka NAWI) How is the average wage for any given year actually calculated? I assume unemployed people are not counted in the average? https://www.ssa.gov/cgi-bin/netcomp.cgi?year=2018 A summary is: Tota...
by neurosphere
Sat Apr 18, 2020 1:33 pm
Forum: Personal Finance (Not Investing)
Topic: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960
Replies: 59
Views: 4534

Re: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960

Also, I use a spreadsheet to calculate my AIME and estimate my PIA. ... Can anyone provide a good explanation of how the bend points are calculated? Given that you are spreadsheet-knowledgeable, the toolbox spreadsheet mentioned earlier has the equations open for view. They aren't complicated. ;) I...
by neurosphere
Sat Apr 18, 2020 1:02 pm
Forum: Personal Finance (Not Investing)
Topic: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960
Replies: 59
Views: 4534

Re: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960

I'm interested in this topic, since I was born in 1960. To get a sense of the possible impact, I looked at data from the last recession. The Social Security wage indexing series shows that average wages dropped 1.5% from 2008 to 2009. Would anyone care to speculate about whether 2019 to 2020 will b...
by neurosphere
Sat Apr 18, 2020 11:17 am
Forum: Personal Finance (Not Investing)
Topic: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960
Replies: 59
Views: 4534

Re: Graph of how SS benefits can change with decreases in 2020 national wages for one born in 1960

It would be great if anyone could duplicate a point or two using "anypia" or another such calculator. Using the 'SocialSecurity' tab in the personal finance toolbox spreadsheet, the high earner's age 67 $3142/mo, assuming the 2020 AWI = 2019 AWI = 2018 AWI = $52,145,80, appears consistent with the ...
by neurosphere
Sat Apr 18, 2020 10:04 am
Forum: Personal Finance (Not Investing)
Topic: Social Security [2020 changes to maximum payment under current law?]
Replies: 11
Views: 1228

Re: Social Security

Silk McCue wrote:
Fri Apr 17, 2020 8:11 pm
You say are turning 70 this year 2020. There is nothing to worry about. Period.
Agreed!
by neurosphere
Sat Apr 18, 2020 10:03 am
Forum: Personal Finance (Not Investing)
Topic: Social Security [2020 changes to maximum payment under current law?]
Replies: 11
Views: 1228

Re: Social Security [2020 changes to maximum payment under current law?]

THANK YOU. I used your calculator and took your advice. My wife took her SS and I am taking half of hers. I am waiting until 70 to implement the second part where I take mine and she gets half of mine. I will be 70 in 2021. I just read that the maximum SS benefit will decrease in Jan 1,2021. Is tha...
by neurosphere
Fri Apr 17, 2020 9:30 pm
Forum: Personal Investments
Topic: PORTFOLIO VISUALIZER - Backtest Portfolio Asset Allocation
Replies: 15
Views: 1034

Re: PORTFOLIO VISUALIZER - Backtest Portfolio Asset Allocation

Website gives us option to show final amount which can be adjusted for inflation. The amount adjusted for inflation is higher, and I wonder why? Top I don't see any options which take inflation into account on portfolio visualizer. Can you provide more information. Or simply, I don't understand you...