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Retirement Calculator

Posted: Mon Sep 25, 2017 10:32 am
by Jordan_E
Hi Everyone,

I just finished reading the Bogleheads book and it inspired me to join this forum and put together a retirement calculator which is available for anyone that's interested here:
https://docs.google.com/spreadsheets/d ... 1950752341

I did some research on asset allocation and came across a Morningstar guideline which gives 3 asset allocation profiles for low, average and high levels of equity (which I associate with low, average and high levels of risk respectively).
https://corporate.morningstar.com/US/d ... lebook.pdf

The user input data is listed at the top of the spreadsheet. Changing the inputs will update the projected annual earnings from investment with respect to the 3 different risk profiles. The results are plotted on a graph and summarized in a table at the top of the spreadsheet. Detailed calculations for the 3 different profiles follow below the graph. All calculations are done in terms of present value and are therefore inflation adjusted. I tried to capture the volatility of the 3 different risk profiles by using generic error bars.

I'd love some feedback on what I've put together and am happy to clarify/modify/discuss what I've done. Hopefully someone out there finds this useful.