How is running a bear market scenario different than a scenario where the annual returns decline and doesn't Monte Carlo already capture bear markets?

The bear market scenarios allow you to run scenarios where you can control the change in the annual return by each asset class. You can also choose from recent recessions and the program will set the annual returns to the worst one year return (for stocks) during that recession. Bonds will have their annual return changed to what they experienced over that same time frame, which during recessions [...]

Where do I view and edit Monte Carlo assumptions such as volatility and the distribution used

Select your username at the top right and then go to Account. You will then be able to navigate to the Monte Carlo Assumptions section. You can change the distribution used (Normal vs. Laplace). The Laplace distribution means extreme events are more likely than the Normal distribution implies. You can also view and edit the standard deviations for asset classes and the correlations among asset [...]

I have contributions to my IRA that are after tax. Where do I add these?

You can enter after-tax contributions for IRAs and 401(k)s as you see in the screenshot below. src="https://cdn.livehelpnow.net/clients/21145/kb/ata1_68fdcdd4-243a-474e-98d6-bb0227190589.png" id="ddd5c88d-c3cf-4586-8623-91021bf8bc81" alt="ata1" width="90%" height="auto" data-image="ddd5c88d-c3cf-4586-8623-91021bf8bc81 [...]

I am manually entering my holdings and I have a Cash position. How do I enter the ticker symbol for this since there is no ticker for Cash.

For Cash that has no ticker symbol associated with it, just enter a ticker symbol of 'NONE' as seen in the screenshot below. src="https://cdn.livehelpnow.net/clients/21145/kb/hold1_233d4dff-9651-4165-878e-1ff58e73261b.png" id="f54dabcf-6648-45fa-9dde-798c5459062e" alt="hold1" width="90%" height="auto" data-image="f54dabcf-6648-45fa-9dde-798c5459062e [...]

If I have Required Minimum Distributions (RMDs) that are not spent, where do they go?

RMDs that are not spent are distributed to accounts with an 'Account Type' of "Taxable". The distributions go into these accounts pro-rata based on their balances at that [...]