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[]
[null,"PLEASE READ THE FOLLOWING INSTRUCTIONS BEFORE PROCEEDING:"]
[null,"1.) Populate the \"Assets\" section with your personal savings information. This information will automatically populate the \"Retirement Inputs\" bucket which feeds the Calculator in Step 2. The  calculator provides the flexibility to enter as a single user, or jointly, where appropriate."]
[null,"2.) Populate the \"Expenses\" section with all expenses. This will be used in the calculation for income required in retirement. If you are uncertain about future expenses, users should consider all recurring and ad-hoc expenses.  If still unknown, please put an estimate in OTHER."]
[null,"3.) Select the appropriate effective income tax rate (H26) using the Federal Income Tax information provided. Adjust the average annual inflation rate as needed."]
[]
[null,"ASSETS",null,null,null,null,"EXPENSES   ",null,null,"2021 Federal Income Tax Brackets"]
[]
[]
[null,null,"USER 1 ASSETS","USER 2 ASSETS","JOINT USERS ASSETS",null,"EXPENSES ON AN ANNUAL BASIS",null,null,"Marginal Rate","For Individuals",null,"Pay","Effective Rate based on bottom of tax bracket","For Married Filing Jointly",null,"Pay","Effective Rate based on bottom of tax bracket"]
[null,"LIQUID ASSETS",{"$f":"SUM(C12:C16)","v":0},{"$f":"SUM(D12:D16)","v":0},{"$f":"SUM(E12:E16)","v":0},null,"MORTGAGE",null,null,null,"Bottom Bracket","Top Bracket",null,null,"Bottom Bracket","Top Bracket"]
[null,"CASH (checking/savings)",null,null,null,null,"RENT ",null,null,0.1,0,9950,0,0,0,19900,0,0]
[null,"MONEY MARKET ACCOUNTS",null,null,null,null,"HEALTHCARE",null,null,0.12,9951,40525,995,{"$f":"M13/K13","v":9.9989950758717722E-2},19901,81050,1990,{"$f":"Q13/O13","v":9.999497512687805E-2}]
[null,"TAX REFUND",null,null,null,null,"LONG-TERM HEALTHCARE",null,null,0.22,40526,86375,4664,{"$f":"M14/K14","v":0.1150866110645018},81051,172750,9328,{"$f":"Q14/O14","v":0.11508803099283167}]
[null,"GOLD/JEWELRY/COINS",null,null,null,null,"RENTERS' INSURANCE",null,null,0.24,86376,164925,14751,0.17077660461239233,172751,329850,29502,{"$f":"Q15/O15","v":0.1707775931832522}]
[null,"OTHER LIQUID ASSETS",null,null,null,null,"LIFE INSURANCE",null,null,0.32,164926,209425,33603,{"$f":"M16/K16","v":0.20374592241368855},329851,418850,67206,{"$f":"Q16/O16","v":0.20374654010447141}]
[null,"RETIREMENT FUNDS",{"$f":"SUM(C18:C29)","v":0},{"$f":"SUM(D18:D29)","v":0},{"$f":"SUM(E18:E29)","v":0},null,"UTILITIES (water, electric)",null,null,0.35,209426,523600,47843,{"$f":"M17/K17","v":0.2284482346986525},418851,628300,95686,0.22844878011512448]
[null,"TRADITIONAL IRA",null,null,null,null,"ENTERTAINMENT/TRAVEL",null,null,0.37,523601,523601,157804.25,{"$f":"M18/K18","v":0.30138263677876859},628301,628301,168993.5,0.26896901325956829]
[null,"SEP IRA",null,null,null,null,"FOOD (groceries/dining out)",null,null,"Source: Internal Revenue Service"]
[null,"ROTH IRA",null,null,null,null,"AUTO/HOME INSURANCE"]
[null,"SIMPLE IRA",null,null,null,null,"PROPERTY TAXES"]
[null,"SELF-DIRECTED IRA",null,null,null,null,"MAINTENANCE SERVICES"]
[null,"OTHER IRA",null,null,null,null,"INCOME TAXES"]
[null,"PENSION: DEFINED CONTRIBUTION ",null,null,null,null,"HOA FEES"]
[null,"PENSION: DEFINED BENEFIT ",null,null,null,null,"OTHER "]
[null,"401(K)",null,null,null,null,"SUMMARY OF EXPENSES",{"$f":"SUM(H11:H25)","v":0}]
[null,"403(B)"]
[null,"ANNUITIES"]
[null,"OTHER RETIREMENT FUNDS"]
[null,"REAL ESTATE",{"$f":"SUM(C31:C34)","v":0},{"$f":"SUM(D31:D34)","v":0},{"$f":"SUM(E31:E34)","v":0}]
[null,"RENTAL PROPERTY"]
[null,"COMMERCIAL PROPERTY"]
[null,"INDUSTRIAL PROPERTY"]
[null,"LAND"]
[null,"PROFIT SHARING"]
[null,"DEFERRED COMPENSATION",null,null,null,null,"RETIREMENT INPUTS"]
[null,"INVESTMENT PORTFOLIO",{"$f":"SUM(C38:C41)","v":0},{"$f":"SUM(D38:D41)","v":0},{"$f":"SUM(E38:E41)","v":0}]
[null,"BROKERAGE ACCOUNT"]
[null,"MONEY MARKET ACCOUNTS",null,null,null,null,"LIQUID ASSETS",{"$f":"C11+D11+E11","v":0}]
[null,"CERTIFICATES OF DEPOSIT",null,null,null,null,"RETIREMENT FUNDS",{"$f":"C17+D17+E17","v":0}]
[null,"TREASURY BILLS",null,null,null,null,"REAL ESTATE",{"$f":"C30+D30+E30","v":0}]
[null,"OTHER",{"$f":"SUM(C43:C46)","v":0},{"$f":"SUM(D43:D46)","v":0},{"$f":"SUM(E43:E46)","v":0},null,"PROFIT SHARING",{"$f":"C35+D35+E35","v":0}]
[null,"INHERITANCE",null,null,null,null,"DEFERRED COMPENSATION",{"$f":"C36+D36+E36","v":0}]
[null,"ART & COLLECTIBLES",null,null,null,null,"INVESTMENT PORTFOLIO",{"$f":"C37+D37+E37","v":0}]
[null,"BOATS/CARS",null,null,null,null,"OTHER",{"$f":"C42+D42+E42","v":0}]
[null,"OTHER ",null,0,0,null,"TOTAL",{"$f":"SUM(H39:H45)","v":0}]
[null,"SOCIAL SECURITY - ANNUAL"]
[null,"TOTAL",{"$f":"C11+C17+C30+C35+C36+C37+C42","v":0},{"$f":"D11+D17+D30+D35+D36+D37+D42","v":0},{"$f":"E11+E17+E30+E37+E42","v":0},null,"SOCIAL SECURITY - ANNUAL",{"$f":"C47+D47","v":0}]

{"sheet":"STEP 2 - Calculator","index":2,"n_rows":93,"n_cols":8,"rows_kept":93,"cut":false,"hidden":false,"merged":[[27,1,27,5],[30,1,30,5],[58,7,59,7],[46,3,46,5],[42,3,42,5],[39,4,39,5],[31,2,31,3],[33,1,34,1],[31,4,31,5],[32,3,32,5],[37,1,38,1],[58,6,59,6],[40,3,40,5],[28,1,28,5],[39,2,39,3],[69,3,72,9],[49,4,49,5],[58,4,59,4],[58,5,59,5],[74,3,80,9],[2,1,2,5],[43,1,44,1],[45,2,45,3],[45,4,45,5],[14,2,14,5],[16,1,16,5],[17,2,17,5],[26,2,26,3],[26,4,26,5],[18,2,18,5],[11,1,11,5],[13,2,13,5],[35,2,35,3],[35,4,35,5],[36,3,36,5],[41,2,41,3],[8,1,9,5],[90,1,90,2],[70,1,70,2],[58,2,59,2],[58,3,59,3],[47,1,48,1],[49,2,49,3],[55,1,56,1],[50,3,50,5],[51,1,52,1],[53,2,53,3],[53,4,53,5],[54,3,54,5],[84,4,84,5],[41,4,41,5],[73,5,73,9]]}
[]
[null,"PLEASE READ THE FOLLOWING INSTRUCTIONS BEFORE PROCEEDING:"]
[null,"STOP: Please fill out the USER WORKSHEET prior to completing this calculator; data will autopopulate in this calculator."]
[null,"Constant Dollars: This analysis is done in real dollars, which adjusts for inflation.  All income is based on today's dollars."]
[]
[null,"All fillable data is highlighted in light green; please carefully review and fill in as appropriate.  Use TAB or ENTER function on keyboard to scroll."]
[null,"1.) Enter date of birth, expected retirement date, and life expectancy. In general, we use 90 years of age as a default however, users should consider their own personal family history."]
[null,"2.) Select the approriate expected return for each of the asset classes listed below. Please visit the \"Calculations\" tab and \"Key Terms & Definitions\" tab for more information."]
[null,"3.) Once all relevant information has been entered, the tool will calculate the amount you need to save monthly and yearly to reach your retirment goals. A negative number indicates that you have an excess of savings, while a positive number indicates that you need to increase savings."]
[]
[null,"4.) The text below in gold provides additional information and guidance."]
[null,"RETIREMENT INCOME CALCULATOR"]
[]
[null,"NAME"]
[null,"TODAY'S DATE",{"$f":"TODAY()","v":"2021-12-07"}]
[]
[null,"TARGET ANNUAL INCOME IN RETIREMENT"]
[null,"Target Annual Income in Retirement",{"$f":"'STEP 1 - User Worksheet'!H26","v":0}]
[null,"Anticipated Retirement Age",74]
[]
[null,"IMPORTANT PERSONAL INFO","Date of Birth","Current Date","Retirement Date","Life Expectancy**"]
[null,"Day",1,{"$f":"DAY(C15)","v":7},1,1]
[null,"Month",6,{"$f":"MONTH(C15)","v":12},9,4]
[null,"Year (use full year i.e. 1980, 2000, 2020)",1948,{"$f":"YEAR(C15)","v":2021},{"$f":"SUM(C19-D26)+D24","v":2022},2046]
[null,"Relevant Dates",{"$f":"DATE($C$24,$C$23,$C$22)","v":"1948-06-01"},{"$f":"DATE($D$24,$D$23,$D$22)","v":"2021-12-07"},{"$f":"DATE($E$24,$E$23,$E$22)","v":"2022-09-01"},{"$f":"DATE($F$24,$F$23,$F$22)","v":"2046-04-01"}]
[null,"Years from current age",null,{"$f":"$D$24-$C$24","v":73},{"$f":"$E$24-$D$24","v":1},{"$f":"$F$24-$D$24","v":25}]
[null,"Years in retirement",null,null,{"$f":"IF(OR(F$24,E$24<>0),F$24-E$24+1,0)","v":25}]
[null,"** Life expectancy is based on actuarial tables. Females and males that reach age 65 live to age 85.5 and 82.9 respectively. However, people in good health can live well into their 90s. "]
[]
[null,"RISK PROFILE "]
[null,"More details about risk levels are available in the \"Calculations\" worksheet"]
[null,"Liquid Assets"]
[null,"Determine Risk Level (Conservative to Aggressive)  ",0,{"$f":"VLOOKUP(C33,Calculations!$B$7:$C$18,2,FALSE)","v":"Cash"}]
[null,"Suggested Asset Allocation (based on risk level)","Equity","Bond","Cash","Expected Return"]
[null,null,{"$f":"VLOOKUP($C33,Calculations!$B$7:$G$18,4,FALSE)","v":0},{"$f":"VLOOKUP($C33,Calculations!$B$7:$G$18,5,FALSE)","v":0},{"$f":"VLOOKUP($C33,Calculations!$B$7:$G$18,6,FALSE)","v":1},{"$f":"VLOOKUP(C33,Calculations!$B$7:$M$19,11,FALSE)","v":5.0000000000000001E-3}]
[null,"Retirement Funds"]
[null,"Determine Risk Level (Conservative to Aggressive)  ",9,{"$f":"VLOOKUP(C37,Calculations!$B$7:$C$18,2,FALSE)","v":"Higher Risk, Higher Potential Return"}]
[null,"Suggested Asset Allocation (based on risk level)","Equity","Bond","Cash","Expected Return"]
[null,null,{"$f":"VLOOKUP($C37,Calculations!$B$7:$G$18,4,FALSE)","v":0.9},{"$f":"VLOOKUP($C37,Calculations!$B$7:$G$18,5,FALSE)","v":0.1},{"$f":"VLOOKUP($C37,Calculations!$B$7:$G$18,6,FALSE)","v":0},{"$f":"VLOOKUP(C37,Calculations!$B$7:$M$19,11,FALSE)","v":6.4500000000000016E-2}]
[null,"Real Estate"]
[null,"Expected Return ",0.03,"Please manually enter your expected rate of return for real estate."]
[null,"Profit Sharing"]
[null,"Determine Risk Level (Conservative to Aggressive)  ",0,{"$f":"VLOOKUP(C43,Calculations!$B$7:$C$18,2,FALSE)","v":"Cash"}]
[null,"Suggested Asset Allocation (based on risk level)","Equity","Bond","Cash","Expected Return"]
[null,null,{"$f":"VLOOKUP($C43,Calculations!$B$7:$G$18,4,FALSE)","v":0},{"$f":"VLOOKUP($C43,Calculations!$B$7:$G$18,5,FALSE)","v":0},{"$f":"VLOOKUP($C43,Calculations!$B$7:$G$18,6,FALSE)","v":1},{"$f":"VLOOKUP(C43,Calculations!$B$7:$M$19,11,FALSE)","v":5.0000000000000001E-3}]
[null,"Deferred Compensation"]
[null,"Determine Risk Level (Conservative to Aggressive)  ",0,{"$f":"VLOOKUP(C47,Calculations!$B$7:$C$18,2,FALSE)","v":"Cash"}]
[null,"Suggested Asset Allocation (based on risk level)","Equity","Bond","Cash","Expected Return"]
[null,null,{"$f":"VLOOKUP($C47,Calculations!$B$7:$G$18,4,FALSE)","v":0},{"$f":"VLOOKUP($C47,Calculations!$B$7:$G$18,5,FALSE)","v":0},{"$f":"VLOOKUP($C47,Calculations!$B$7:$G$18,6,FALSE)","v":1},{"$f":"VLOOKUP(C47,Calculations!$B$7:$M$19,11,FALSE)","v":5.0000000000000001E-3}]
[null,"Investment Portfolio"]
[null,"Determine Risk Level (Conservative to Aggressive)  ",9,{"$f":"VLOOKUP(C51,Calculations!$B$7:$C$18,2,FALSE)","v":"Higher Risk, Higher Potential Return"}]
[null,"Suggested Asset Allocation (based on risk level)","Equity","Bond","Cash","Expected Return"]
[null,null,{"$f":"VLOOKUP($C51,Calculations!$B$7:$G$18,4,FALSE)","v":0.9},{"$f":"VLOOKUP($C51,Calculations!$B$7:$G$18,5,FALSE)","v":0.1},{"$f":"VLOOKUP($C51,Calculations!$B$7:$G$18,6,FALSE)","v":0},{"$f":"VLOOKUP(C51,Calculations!$B$7:$M$19,11,FALSE)","v":6.4500000000000016E-2}]
[null,"Other"]
[null,"Determine Risk Level (Conservative to Aggressive)  ",9,{"$f":"VLOOKUP(C55,Calculations!$B$7:$C$18,2,FALSE)","v":"Higher Risk, Higher Potential Return"}]
[null,"Suggested Asset Allocation (based on risk level)","Equity","Bond","Cash","Expected Return"]
[null,null,{"$f":"VLOOKUP($C55,Calculations!$B$7:$G$18,4,FALSE)","v":0.9},{"$f":"VLOOKUP($C55,Calculations!$B$7:$G$18,5,FALSE)","v":0.1},{"$f":"VLOOKUP($C55,Calculations!$B$7:$G$18,6,FALSE)","v":0},{"$f":"VLOOKUP(C55,Calculations!$B$7:$M$19,11,FALSE)","v":6.4500000000000016E-2}]
[]
[null,null,"Beginning Value","Annual Contribution","Pre-Retirement Rate of Return Based on Risk Profile","Post-Retirement Rate of Return Based on Risk Profile","Value at Retirement","Estimated Annual Benefit"]
[null,"ASSET TYPE"]
[null,"Liquid Assets",{"$f":"'STEP 1 - User Worksheet'!H39","v":0},0,{"$f":"F35","v":5.0000000000000001E-3},{"$f":"F35","v":5.0000000000000001E-3},{"$f":"($C61*(1+$E61)^$E$26)+FV($E61,$E$26,-$D61)","v":0},{"$f":"IF(ISNA($G61),0,PMT($F61,($F$25-$E$25)/365.25,-$G61,0,1))","v":0}]
[null,"Retirement Funds",{"$f":"'STEP 1 - User Worksheet'!H40","v":0},0,{"$f":"F39","v":6.4500000000000016E-2},{"$f":"F39","v":6.4500000000000016E-2},{"$f":"($C62*(1+$E62)^$E$26)+FV($E62,$E$26,-$D62)","v":0},{"$f":"IF(ISNA($G62),0,PMT($F62,($F$25-$E$25)/365.25,-$G62,0,1))","v":0}]
[null,"Real Estate",{"$f":"'STEP 1 - User Worksheet'!H41","v":0},0,{"$f":"C41","v":0.03},{"$f":"C41","v":0.03},{"$f":"($C63*(1+$E63)^$E$26)+FV($E63,$E$26,-$D63)","v":0},0]
[null,"Profit Sharing",{"$f":"'STEP 1 - User Worksheet'!H42","v":0},0,{"$f":"F45","v":5.0000000000000001E-3},{"$f":"F45","v":5.0000000000000001E-3},0,0]
[null,"Deferred Compensation",{"$f":"'STEP 1 - User Worksheet'!H43","v":0},0,5.0000000000000001E-3,5.0000000000000001E-3,0,0]
[null,"Investment Portfolio ",{"$f":"'STEP 1 - User Worksheet'!H44","v":0},0,{"$f":"F53","v":6.4500000000000016E-2},{"$f":"F53","v":6.4500000000000016E-2},0,0]
[null,"Social Security ",null,null,null,null,null,{"$f":"'STEP 1 - User Worksheet'!H48","v":0}]
[null,"Other",{"$f":"'STEP 1 - User Worksheet'!H45","v":0},0,0,6.4500000000000002E-2,{"$f":"($C68*(1+$E68)^$E$26)+FV($E68,$E$26,-$D68)","v":0},{"$f":"IF(ISNA($G68),0,PMT($F68,($F$25-$E$25)/365.25,-$G68,0,1))","v":0}]
[null,"Total",{"$f":"SUM(C61:C68)","v":0},{"$f":"SUM(D61:D68)","v":0},null,null,{"$f":"SUM(G61:G68)","v":0},{"$f":"SUM(H61:H68)","v":0}]
[]
[null,"PERSONAL SAVINGS ANALYSIS"]
[null,"Estimated Value of Savings at Retirement",{"$f":"SUM(G61:G68)","v":0}]
[null,"Rate of Return Before Retirement Per Risk Profile",{"$f":"F39","v":6.4500000000000016E-2}]
[null,"Estimated Annual Income based on current savings",{"$f":"SUM(H61:H68)","v":0},"This includes your annual SS benefit."]
[null,"Based on current savings, accumulate addtl savings of",{"$f":"IF($C$18>=SUM(H61:H68),$C$18-SUM(H$61:H$68),0)","v":0}]
[null,"Addtl Savings Needed To Achieve Retirement Inc. Goal",{"$f":"PV($C$73/12,E$27*12,-(C$75/12))","v":0}]
[null,"Total Sources of Income At Retirement + $ To Be Saved",{"$f":"SUM(C74:C75)","v":0}]
[null,"Excess over Retirement Income",{"$f":"MAX(0,$C$77-$C$18)","v":0}]
[null,"Value of Excess Income at Beginning of Retirement",{"$f":"PV($C$73/12,E27*12,-(C78/12))","v":0}]
[]
[null,"NOMINAL TERMS REDUCTION"]
[null,"Of your ANNUAL retirement income (see C68), how much is fixed in nominal terms (no increase w/inflation)?",null,"Please manually enter if applicable. This is typically pensions or annuities that don't increase with inflation. "]
[null,"Number of years to be paid",{"$f":"E27","v":25}]
[null,"Today's value of total to be paid",{"$f":"C82*C83","v":0}]
[null,"Average annual inflation rate - See \"Calculations\"",0.02]
[null,"Today's value of \"deflated\" fixed income     ",{"$f":"PV(C85,C83,-C82)","v":0}]
[null,"Inflation insurance needed",{"$f":"C84-C86","v":0},"This amount is reflected as a reduction in your excess assets at retirement."]
[]
[null,"TOTAL NEEDED/(EXCESS) ASSETS AT RETIREMENT INCL. INFLATION INSURANCE",{"$f":"C87+C76-C79","v":0}]
[]
[null,"MONTHLY & ANNUAL SAVINGS NEEDED/(EXCESS) TO MEET RETIREMENT INCOME GOAL"]
[null,"Monthly Savings to Reach Retirement Income Goal",{"$f":"IF($E$26<=0,NA(),+$C$89/((((1+($E$62/12))^($E$26*12))-1)/($E$62/12)))","v":0}]
[null,"Annual Savings to Reach Retirement Income Goal",{"$f":"C92*12","v":0}]

{"sheet":"Calculations","index":3,"n_rows":47,"n_cols":13,"rows_kept":47,"cut":false,"hidden":false,"merged":[[46,2,46,11],[2,1,2,12],[4,11,5,11],[4,7,17,7],[35,2,35,8],[20,2,20,8],[16,2,16,3],[17,2,17,3],[4,8,4,10]]}
[]
[]
[null,"HOW WE CALCULATE"]
[null,null,null,null,null,null,null,null,"SUPPORTING RISK PROFILE DATA"]
[null,"RISK PROFILE ",null,null,null,null,null,null,"Average Return Per SBBI",null,null,"Expected Equity Return"]
[null,null,null,null,"Equity","Bond","Cash",null,"Equity","Bond","Cash",null,"Liquid Assets"]
[null,10,"Highest Risk, Highest Potential Return",null,1,0,0,null,7.0000000000000007E-2,1.4999999999999999E-2,5.0000000000000001E-3,{"$f":"(E7*$I$7)+(F7*$J$7)+(G7*$K$7)","v":7.0000000000000007E-2},{"$f":"(E18*$I$7)+(F18*$J$7)+(G18*$K$7)","v":5.0000000000000001E-3}]
[null,9,"Higher Risk, Higher Potential Return",null,0.9,0.1,0,null,null,null,null,{"$f":"(E8*$I$7)+(F8*$J$7)+(G8*$K$7)","v":6.4500000000000016E-2},{"$f":"(E18*$I$7)+(F18*$J$7)+(G18*$K$7)","v":5.0000000000000001E-3}]
[null,8,"High Risk, High Potential Return",null,0.8,0.2,0,null,null,null,null,5.9000000000000011E-2,{"$f":"(E18*$I$7)+(F18*$J$7)+(G18*$K$7)","v":5.0000000000000001E-3}]
[null,7,"Risky",null,0.7,0.3,0,null,null,null,null,{"$f":"(E10*$I$7)+(F10*$J$7)+(G10*$K$7)","v":5.3499999999999999E-2},{"$f":"(E18*$I$7)+(F18*$J$7)+(G18*$K$7)","v":5.0000000000000001E-3}]
[null,6,"Moderate",null,0.6,0.4,0,null,null,null,null,4.8000000000000001E-2,{"$f":"(E18*$I$7)+(F18*$J$7)+(G18*$K$7)","v":5.0000000000000001E-3}]
[null,5,"Balanced",null,0.5,0.5,0,null,null,null,null,4.2500000000000003E-2,{"$f":"(E18*$I$7)+(F18*$J$7)+(G18*$K$7)","v":5.0000000000000001E-3}]
[null,4,"Conservative",null,0.4,0.6,0,null,null,null,null,3.7000000000000005E-2,{"$f":"(E18*$I$7)+(F18*$J$7)+(G18*$K$7)","v":5.0000000000000001E-3}]
[null,3,"Low Risk, Low Expected Return",null,0.3,0.7,0,null,null,null,null,3.15E-2,{"$f":"(E18*$I$7)+(F18*$J$7)+(G18*$K$7)","v":5.0000000000000001E-3}]
[null,2,"Lower Risk, Lower Expected Return",null,0.2,0.8,0,null,null,null,null,2.6000000000000002E-2,{"$f":"(E18*$I$7)+(F18*$J$7)+(G18*$K$7)","v":5.0000000000000001E-3}]
[null,1,"Lowest Risk, Lowest Expected Return",null,0.1,0.9,0,null,null,null,null,2.0500000000000001E-2,{"$f":"(E18*$I$7)+(F18*$J$7)+(G18*$K$7)","v":5.0000000000000001E-3}]
[null,"Bonds",null,null,0,1,0,null,null,null,null,1.4999999999999999E-2,{"$f":"(E18*$I$7)+(F18*$J$7)+(G18*$K$7)","v":5.0000000000000001E-3}]
[null,0,"Cash",null,0,0,1,null,null,null,null,5.0000000000000001E-3,{"$f":"(E18*$I$7)+(F18*$J$7)+(G18*$K$7)","v":5.0000000000000001E-3}]
[null,null,null,null,null,null,null,null,null,null,null,{"$f":"(F19*$I$7)+(G19*$J$7)+(H19*$K$7)","v":0},{"$f":"(E18*$I$7)+(F18*$J$7)+(G18*$K$7)","v":5.0000000000000001E-3}]
[]
[null,null,"RATE OF RETURN**"]
[null,null,"Investment Type","Asset Allocation","Rate of Return","Portfolio Return","Asset Allocation","Rate of Return","Portfolio Return"]
[null,null,null,{"$f":"D24+D28+D33+D35","v":1},null,{"$f":"F24+F28+F34","v":5.6599999999999998E-2},{"$f":"G24+G28+G32+G34","v":1},null,{"$f":"I24+I28+I32+I34","v":5.0938333333333335E-2}]
[null,null,"% in Equity",0.6,7.2999999999999995E-2,{"$f":"(D24*E24)","v":4.3799999999999999E-2},0.55000000000000004,7.0000000000000007E-2,{"$f":"(G25*H25)+(G26*H26)+(G27*H27)","v":3.8683333333333333E-2}]
[null,null,"Large Cap Stocks",{"$f":"(D24*(1/3))","v":0.19999999999999998},7.0999999999999994E-2,null,{"$f":"(G24*(1/3))","v":0.18333333333333335},7.0999999999999994E-2]
[null,null,"Small Cap Stocks",{"$f":"(D24*(1/3))","v":0.19999999999999998},0.09,null,{"$f":"(G24*(1/3))","v":0.18333333333333335},0.09]
[null,null,"Global Equities",{"$f":"(D24*(1/3))","v":0.19999999999999998},0.05,null,{"$f":"(G24*(1/3))","v":0.18333333333333335},0.05]
[null,null,"% in Bonds",0.4,3.2000000000000001E-2,{"$f":"(D28*E28)","v":1.2800000000000001E-2},0.4,0.03,{"$f":"SUM(G29*H29)+(G30*H30)+(G31*H31)","v":1.04E-2}]
[null,null,"Long-Term Corp. Bonds",{"$f":"(D28*(1/3))","v":0.13333333333333333},3.1E-2,null,{"$f":"(G28*(1/3))","v":0.13333333333333333},3.1E-2]
[null,null,"Long-Term Govt. Bonds",{"$f":"(D28*(1/3))","v":0.13333333333333333},2.5999999999999999E-2,null,{"$f":"(G28*(1/3))","v":0.13333333333333333},2.5999999999999999E-2]
[null,null,"Inter-Term Govt. Bonds",{"$f":"(D28*(1/3))","v":0.13333333333333333},2.1000000000000001E-2,null,{"$f":"(G28*(1/3))","v":0.13333333333333333},2.1000000000000001E-2]
[null,null,"% Real Estate",null,3.7100000000000001E-2,null,0.05,3.7100000000000001E-2,{"$f":"(G32*H32)","v":1.8550000000000001E-3}]
[null,null,"Case Shiller US Ntl Home Price Index",null,null,null,{"$f":"G32/1","v":0.05},3.7100000000000001E-2]
[null,null,"%  in Cash",0,5.0000000000000001E-3,null,0,null,{"$f":"SUM(G35*H35)","v":0}]
[null,null,"U.S. Treasury Bills",{"$f":"D34","v":0},5.0000000000000001E-3,null,{"$f":"G34","v":0},5.0000000000000001E-3]
[null,null,"** Inflation Adjusted Returns (Geometric Mean) USD"]
[null,null,"Source: 2018 SBBI; Page 6-18. 1926 - 2017. Real Estate Returns; Case Shiller US National Home Price Index 1987 - 2019"]
[null,null,"Source: Global Equity Returns 1900 - 2018. Summary Edition Credit Suisse Global Investment Returns Yearbook 2019"]
[]
[]
[null,null,"ESTIMATED AVERAGE ANNUAL INFLATION RATE"]
[null,null,"Asset Class","Nominal Return","Inflation Rate","Real Return"]
[null,null,"Stocks",0.10199999999999999,2.9000000000000001E-2,{"$f":"D43-E43","v":7.2999999999999995E-2}]
[null,null,"Bonds",6.0999999999999999E-2,2.9000000000000001E-2,{"$f":"D44-E44","v":3.2000000000000001E-2}]
[null,null,"T-Bills",3.4000000000000002E-2,2.9000000000000001E-2,{"$f":"D45-E45","v":5.000000000000001E-3}]
[null,null,"Real Estate",3.7100000000000001E-2,2.9000000000000001E-2,{"$f":"D46-E46","v":8.0999999999999996E-3}]
[null,null,"Real Return = Nominal Return - Inflation Rate.  Polaris believes that real returns or real annual growth rate should be used when analyzing retirement plans."]

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[]
[null,"KEY TERMS/DEFINITIONS"]
[]
[null,null,"No personal information is stored, saved or collected."]
[null,null,"CALCULATOR USAGE: This tool is intended to provide an estimate of the capital required to be saved to reach a user’s retirement income goal. This tool may help the user understand how their future savings will fluctuate based on various factors including, but not limited to, asset allocation, capital contributions, changing rates, years the user expects to save, and life expectancy. Please note: This tool also makes certain assumptions about return expectations. Investing in securities involves risk, and there is always the potential of losing money. Asset allocation and rebalancing do not ensure a profit or guarantee against loss. Investors should consider their long-term objectives and the risks associated with investing when interpreting this analysis. This analysis can be updated as often as needed however, an update every 18-24 months should be sufficient. Any time there is a change to one of the user inputs, the model should be updated to reflect the change."]
[null,null,"A WORD ABOUT RISK: Standard deviation is a measure of the amount of variation or dispersion of a set of values. A low standard deviation indicates that the values tend to be close to the mean of the set, while a high standard deviation indicates that the values are spread out over a wider range. Returns on investments can vary significantly from on year to the next. The following exhibit shows the standard deviation of a set of portfolios from 1926 – 2017."]
[]
[null,null,"Portfolio","Geometric Mean","Arithmetic Mean","Standard Deviation"]
[null,null,"Asset Mix","%","%","%"]
[null,null,"100% Large-Cap Stocks",10.3,12.2,19.7]
[null,null,"90% Stocks / 10% Bonds",10,11.5,17.7]
[null,null,"70% Stocks / 30% Bonds",9.3000000000000007,10.3,14.1]
[null,null,"50% Stocks / 50% Bonds",8.5,9.1,11.1]
[null,null,"30% Stocks / 70% Bonds",7.5,7.9,9.1999999999999993]
[null,null,"10% Stocks / 90% Bonds",6.3,6.7,9.1]
[null,null,"100% Long-Term Govt. Bonds",5.7,6.1,9.8000000000000007]
[]
[null,null,"ESTIMATED AVERAGE ANNUAL INFLATION RATE"]
[null,null,"Asset Class","Nominal Return","Inflation Rate","Real Return"]
[null,null,"Stocks",0.10199999999999999,2.9000000000000001E-2,{"$f":"D20-E20","v":7.2999999999999995E-2}]
[null,null,"Bonds",6.0999999999999999E-2,2.9000000000000001E-2,{"$f":"D21-E21","v":3.2000000000000001E-2}]
[null,null,"T-Bills",3.4000000000000002E-2,2.9000000000000001E-2,{"$f":"D22-E22","v":5.000000000000001E-3}]
[null,null,"Real Estate",3.7100000000000001E-2,2.9000000000000001E-2,{"$f":"D23-E23","v":8.0999999999999996E-3}]
[null,null,"Real Return = Nominal Return - Inflation Rate.  Polaris believes that real returns or real annual growth rate should be used when analyzing retirement plans."]
[]
[]
[null,null,"TERMS/DEFINITIONS"]
[null,null,"ASSET TYPES: Asset types are defined in the User Worksheet. Please see below for more detailed descriptions."]
[]
[null,null,"ASSET TYPES: 401 (k) 403 (b): 401(k) and 403(b) are two popular defined-contribution plans commonly used by companies and organizations to encourage their employees to save for retirement. A 403(b) plan is a retirement account for certain employees of public schools and tax-exempt organizations. Participants include teachers, school administrators, professors, government employees, nurses, doctors, and librarians. A 401(k) plan is a retirement savings plan offered by many American employers that has tax advantages to the saver.  An employee who signs up for a 401(k) plan agrees to have a percentage of each paycheck paid directly into an investment account. The employer may match part or all of that contribution. The employee gets to choose among a number of investment options, usually mutual funds."]
[]
[]
[]
[null,null,"ASSET TYPES: DEFERRED COMPENSATION: Deferred compensation is a portion of an employee's compensation that is set aside to be paid at a later date. In most cases, taxes on this income are deferred until it is paid out. Forms of deferred compensation include retirement plans, pension plans, and stock-option plans."]
[]
[null,null,"ASSET TYPES: PENSION - DEFINED BENEFIT: A defined benefit plan promises a specified monthly benefit at retirement. The plan may state this promised benefit as an exact dollar amount, such as $100 per month at retirement. Or, more commonly, it may calculate a benefit through a plan formula that considers such factors as salary and service - for example, 1 percent of average salary for the last 5 years of employment for every year of service with an employer. The benefits in most traditional defined benefit plans are protected, within certain limitations, by federal insurance provided through the Pension Benefit Guaranty Corporation (PBGC)."]
[]
[]
[]
[]
[null,null,"ASSET TYPES: PENSION - DEFINED CONTRIBUTION: A defined contribution plan does not promise a specific amount of benefits at retirement. In these plans, the employee or the employer (or both) contribute to the employee's individual account under the plan, sometimes at a set rate, such as 5 percent of earnings annually. These contributions generally are invested on the employee's behalf. The employee will ultimately receive the balance in their account, which is based on contributions plus or minus investment gains or losses. The value of the account will fluctuate due to the changes in the value of the investments. Examples of defined contribution plans include 401(k) plans, 403(b) plans, employee stock ownership plans, and profit-sharing plans."]
[]
[]
[]
[]
[null,null,"ASSET TYPES: PROFIT SHARING: A profit-sharing plan gives employees a share in their company's profits based on its quarterly or annual earnings. It is up to the company to decide how much of its profits it wishes to share. Contributions to a profit-sharing plan are made by the company only."]
[null,null,"INFLATION: Throughout our analysis we attempt to consider the effects of inflation especially when reviewing retirement plans and we encourage users of this tool to do the same in their analysis.  While stock returns may be more volatile than bond returns, we believe that in the long term, stocks offer a much higher rate of return reducing any risk of inflation to future cash flows."]
[]
[null,null,"FIXED INCOME IN NOMINAL TERMS:  Typically these are Fixed Annuities. Variable annuities give buyers a chance to benefit from rising markets by investing in a menu of mutual funds offered by the insurer. The upside is the possibility of higher returns during the accumulation phase and a larger income during the payout phase. The downside is that the buyer is exposed to market risk, which could result in losses. With a fixed annuity, by contrast, the insurance company assumes the risk of delivering whatever return it has promised"]
[]
[]
[]
[null,null,"PENSION PLANS: Every pension plan is different and some may include inflation.  While state and federal pensions are typically adjusted for inflation, most private pensions are not.  A 2000 Bureau of Labor Statistics survey reported that only nine percent of blue collar and service industry employees who are in traditional pension plans received an automatic cost of living adjustment in that year. "]
[]
[null,null,"RATE OF RETURN: A rate of return is the net gain or loss of an investment over a specified time period, expressed as a percentage of the investment’s initial cost. When calculating the rate of return, you are determining the percentage change from the beginning of the period until the end. The effects of inflation are not taken into consideration in the simple rate of return calculation but are in the real rate of return calculation."]
[]
[]
[]
[null,null,"REAL RATE OF RETURN: Real rate of return is the annual percentage of profit earned on an investment, adjusted for inflation. Therefore, the real rate of return accurately indicates the actual purchasing power of a given amount of money over time. Adjusting the nominal return to compensate for inflation allows the investor to determine how much of a nominal return is real return. In addition to adjusting for inflation, investors also must consider the impact of other factors, such as taxes and investing fees, to calculate real returns on their money or to choose among various investing options."]
[]
[]
[]
[]
[null,null,"RISK PROFILE: A risk profile is an evaluation of an individual's willingness and ability to take risks. An investor who has a higher tolerance for risk will likely prefer a portfolio more heavily weighted towards equities. A risk profile with a larger allocation to equities than bonds will have the potential to earn a higher return, however, this potential comes with risk of greater losses. Conversely, a risk profile with a larger allocation to bonds versus equities will likely be subjected to lower returns, and potential lower growth of capital, but will be less exposed to volatility in equities. While there is no one hard and fast rule, a user that is in the early earning stages of his life cycle will generally select a higher risk profile as they have many years to grow their income and save for retirement. Generally, a user that is closer to, or in retirement, will select a more conservative risk profile which allows the savings to increase marginally throughout retirement with a lesser chance for significant losses. It is important to consider your long-term objectives when selecting your risk profile."]
[]
[null,null,"TAXES: If you have investment income in tax exposed accounts, this analysis assumes you pay taxes outside of your account."]

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