DIY Nest Egg
Through this web site, you can order a program written in Excel format that will enable you to determine the amount of investable assets you need, augmented by multiple sources of income, to sustain any variety of spending patterns you select over any life span you choose to assume. Four spread sheets are included with varying levels of detail from the very simple (annual spending plan, investment rate of return estimate, inflation rate forecast and life span expectation) to the ability to detail year by year all expenses and income while in retirement, with the result showing what you need at the time of retirement to generate the funds necessary. All amounts can be inflation adjusted. Social Security can be accounted for using the various choices for when you might begin to draw, all adjustable for cost of living increases. Add salary, pension or any other income. Plan trips, major purchases, gifts, inheritance received, as either one time events or recurring over specifiable periods of time.
You can input all these variables and change them as often as you want. If you find you are short of your goal, or know retirement is a long way off, there is a savings planning spread sheet that will help you enact a savings plan.
And you can do all this with out having to give any information to a financial planner or registering to receive investment advice to gain access to the program. It is yours to use on your computer without sending any personal data to the web. Since currency is just a number, this can be used any where in the world.
There are two budget planning spread sheets - one for pre-retirement planning and one for post-retirement. You can adjust your total annual expenditures to allow for a margin of error, and add in a tax adjustment factor.
Give it a try. You will not be disappointed.
This product is for you! No brokers. No financial planners, Just DIY!
Wondering if you have saved enough to retire? Retired, and wondering if you still have enough of a nest egg to last?
Please leave a comment after your visit. Thanks!
