When the primary plan participant is retired, expenses are funded in the following order:Salary from a spouse/partner who is still workingRequired minimum distributionsDeferred compensation paymentsIncome from entries in the Additional Cash Inflows sectionSocial SecurityPensionsInvestment growth and principal from taxable and tax-advantaged accounts first, then non-qualified accounts, and finally [...]
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168 ArticlesI want to see the history of my investment balances over time. How do I view this?
If your accounts are linked, we begin tracking historical data (such as balances, transactions, and account performance) from the day they are linked. You can view historical balances for any linked account as seen [...]
I want to view historical transactions such as deposits, withdrawals, interest, and dividend payments. Where I can see this?
If your accounts are linked, we begin tracking historical data (such as balances, transactions, and account performance) from the day they are linked. You can view transactions for any linked account as seen [...]
How do I view my asset allocation by any mix of investment accounts?
You can view the holdings and asset allocation of any mix of investment accounts. You can also group by different account types and view the asset allocation of that group, such as by retirement accounts [...]
Can I view the historical performance for linked accounts and the funds I own?
If an account is linked you can view the performance of the account itself over various time periods. You can also view the historical performance of funds in accounts and even compare performance between two different [...]
Where do I model the sale of a home in the future?
You should model this in the Additional Cash Inflows section. Enter the cost basis and toggle 'on 'Is Primary Home' if this is your primary home and you can receive the home sale tax exclusion. Note that when the sale occurs in the program, by defaults the after-tax proceeds are reinvested in 'Taxable' accounts pro rata based on their balances at the time of the sale. However, you can choose which [...]
I have a large annual contribution going into an investment account that has a low balance today. When I look at the ending balances of each investment in the account, the contribution does not appear to be going into that investment account. Where is it going?
The annual contribution is going into the correct account. But in this case, the 'Rebalance Investments Annually' toggle is set to 'Yes.' Because of this, investment accounts are rebalanced at the beginning of each period based on their percentage of the overall investment portfolio as it stands today. So an investment account with a small balance to start with will continue to have a small [...]
If my expenses decrease or my salary goes up before retirement how does the program take this into account since living expenses don't start until retirement?
Before retirement the program assumes that whatever you don’t save, you must have spent. So if your expenses are reduced pre-retirement, this means your contributions to investments must have gone up, which in turn means you should be increasing your to an investment account or investment accounts. If your increases you can increase the salary in the Gross Salary assumption, but this also means [...]
How can I model an inheritance and specify where the money will go?
Enter a cash inheritance as a cash inflow in Cash Flow Inputs for the year it is received.You can assign the inflow to a specific destination account. The funds will be added to that account and assumed to be invested on a pro-rata basis using the account’s existing investment mix.For more information, see the article.To compare different ways of allocating the inheritance, you can adjust, [...]
How do I view the investment growth broken out by dividends, price appreciation, and interest?
You can view projected dividends, price appreciation, and interest by the total for all accounts and broken out by each account under Cash Flow Projections > Investment And Cash [...]