VeriPlan Retirement Investment Calculator Overview: Part 4 of 7
Your investment portfolio and assets in VeriPlan
For each of your current investment portfolio asset holdings, the VeriPlan investment calculator software collects information about your share ownership amounts, values per share, investment costs, account taxability, and expected taxable capital gains distributions. The VeriPlan financial investment calculator automatically projects your net annual holdings by financial asset class, including new investments from future positive net investment returns and investment withdrawals to meet future expense budget requirements. Compound investment calculator values are automatically projected net of personal living expenses, debt repayments, ordinary income taxes, capital gains taxes, and investment costs throughout your full lifecycle. Long term investment calculator rebalancing is performed annually and automatically according your choices and user adjustable settings on five asset allocation strategy methods.
VeriPlan’s fully integrated retirement investment calculator projects the growth of your “centerline” investment portfolio asset values based on historical risk-adjusted and inflation-adjusted cash, bond, and stock asset class growth rates. Compound investment calculator growth rates are fully user-adjustable using VeriPlan’s systematic and judgmental growth rate adjustment tools. VeriPlan’s integrated, automated, and high performance mutual fund investment calculator asset projection facilities enable the rapid evaluation of a wide range of customized financial plans.
For each of your portfolio asset holdings, VeriPlan separately and automatically projects annual investment returns, volatility, ordinary income taxes, capital gains taxes, and investment costs. Then, in combination, the VeriPlan retirement tax calculator automatically assesses your overall annual net portfolio returns, tax efficiency, and investment cost efficiency. The VeriPlan investment calculator can project these aggregates, even though the net valuation of your individual asset holdings may change at different rates due to user return adjustments, varying investment costs, uneven capital gains distributions, legal differences in taxability, and variations in marginal tax rates. Therefore, VeriPlan can provide significantly more insight, because its investment calculator projections focus on your particular financial planning circumstances and do not rely upon general population averages.
A customer comment from the sidebar: "VeriPlan is a big help. I'm in my mid 50's and have been a diligent saver and passable investor for many years. I am going through a work transition from salaried corporate employee to independent consultant, and my aging parents are needing financial help. Financial planning is particularly important to me and my family now. Thanks for making your product available. I've recommended it to a number of folks and will continue to do so." J.H. in Portland, OR
Find Home Financial Planning Software
A customer comment from the sidebar: "VeriPlan has been a very flexible home financial planning tool. It took me a few hours on a weekend to understand what VeriPlan could do and to enter our financial data. Our family financial affairs were scattered all over, and we lacked a comprehensive picture of what the future might hold for us. I wanted a clear understanding of our projected lifetime and retirement income, expenses, taxes, debts, real estate, financial assets, college investments, retirement investments, and everything else all together." S. L. in Altadena, CA
Discover Family Financial Planning Software
A customer comment from the sidebar: "You have done a great job of including the necessary instructions in VeriPlan, located close to where the modeling is happening. The thing I like about the VeriPlan User Guide is that it adds substantial additional commentary that I personally find very valuable. I was hunting for a capable and reasonably priced financial planning package, and VeriPlan is an awesome tool. The more I play around with it, the more valuable I find it. Your free user guide was what made me decide to get VeriPlan." C. A. in North Royalton, OH
Financial Planning Software for Individuals
A customer comment from the sidebar: "One of the stories that VeriPlan tells me is how much of my money could be lost to excessive investment costs. I just switched to some lower cost funds in my 401k. I loved updating VeriPlan with the new cost values just to see the red bar on the Total Assets chart get significantly thinner - quite a shocking difference." M. W. in Tulsa, OK
The Best DIY Retirement Planning Software
A customer comment from the sidebar: "I am extremely impressed with the depth of information that VeriPlan asks for and provides. VeriPlan seems much more detailed than one would expect for the very reasonable price. Although I am not a financial professional, I consider myself more financially educated than the most people of my age (62). I find that VeriPlan's depth to be just what we need for our retirement planning. I am glad I purchased it. Thanks." J. W. in Gainsville, FL
Financial Planning Software for Consumers
A customer comment from the sidebar: "I have been very happy with this software. I will put VeriPlan to work to help optimize our IRA to Roth conversions, while avoiding the IRMAA penalties if we can. We are in an opportunistic window for the next several years. I have been appalled by the lack of professional knowledge available with respect to the tax burden that will fall upon us when RMDs take effect. Most of the information I have found suggests that it isn't a problem. Luckily, this software will be of great benefit to chart our course." J. S. in Louisville, KY
Family Financial Planning Software
A customer comment from the sidebar: "I am a recently retired engineer, and I created a cash flow Excel spreadsheet for 25 years of retirement. So, I fully appreciate the data and potential variances that must be accounted for. Yet, mine is so very simple compared to VeriPlan. I love VeriPlan's concept of total control over inputs and parameters. Veriplan's objectives are very much like mine, but it has many, many more input and control options, and the price is spot on." L. G. in Southbridge, VA
Family Financial Planning Software for Consumers
A customer comment from the sidebar: "I've been using VeriPlan for a few weeks now, and it is everything I was looking for plus a whole lot more of what I didn't even know I needed. By simply switching VeriPlan to a state that does not have a state income tax, I can see how much I could save on traditional IRA distributions in retirement by moving to a state without income taxes. It is a real education in personal finance, and I think just about everyone would benefit from using this tool." T. H. in Silicon Valley CA
Financial Planning and Retirement Software for Home Use
Your Cash Assets:
VeriPlan’s cash savings and investment calculator projects up to 24 separate cash asset holdings.
Your Bond Assets:
A customer comment from the sidebar: "VeriPlan's financial projection graphics simply lay out what the future might hold for my family. Also, VeriPlan is a very fast and automated financial investment calculator that allows me to change anything and to test alternate investment decisions rapidly. Its integrated documentation explains clearly how it works, and it also includes a wealth of well-researched personal finance and investment information that has been very helpful." T. F. in Muncie, IN
Find Home Financial Planning Software
A customer comment from the sidebar: "I do most of my own financial modeling, and I like the way VeriPlan generates “what if” scenarios that I like to compare, such as possibly buying a rental property, selling my house and renting, moving social security retirement age payment timing, and pulling out IRA money after taxes. Plus, I like VeriPlan for its automated projection of detailed investment costs. Thanks for making a great product." K. W. in Naperville, IL
Discover Family Financial Planning Software
A customer comment from the sidebar: "I am 10 years out from retirement, and I needed to start thinking more seriously about having enough to retire on. I'm following the suggestions of you and others in opting for more hands-on retirement planning. I am also using lower cost index investing. There are too many wealth management companies out there, all ready to charge an arm and leg for what should be straightforward financial planning work." G. B. in Smith Mountain Lake, VA
Financial Planning Software for Individuals
A customer comment from the sidebar: "Larry, Hello again! I've continued to work with VeriPlan, and the more I work with it the more I'm amazed at how much it does. It's an incredible decision support tool for my financial planning. Since I have already built a model of my lifetime finances, it is easy to test new ideas as they come to me. Thanks again." M. W. R. in Austin, TX
Family Financial Planning Software
A customer comment from the sidebar: "I first learned about the zero federal taxes on long term capital gains when under the 25% marginal income tax rate from working with VeriPlan a number of years ago. I’m no longer working but not yet receiving RMD’s or social security so my ordinary income is relatively low. So I’ve been taking full advantage of zero federal capital gains taxes by selling off my high expense ratio mutual funds which have a lot of capital gains built in since I’ve held them a long time and then I reinvest them in index mutual funds which don’t generate as much capital gains distributions. So the education that you and VeriPlan provide has saved me thousands in taxes, not to mention the expenses on high cost mutual funds. Thanks again." M. D. in El Paso, TX
Family Financial Planning Software for Consumers
VeriPlan’s bond investment calculator projects up to 24 separate bond and fixed income asset holdings.
Your Stock Asset:
VeriPlan’s stock investment calculator projects up to 99 separate stock and equity asset holdings.
Your Property Assets:
VeriPlan’s real estate investment calculator projects up to 10 separate property and real estate asset holdings.
Your Other Assets:
VeriPlan also projects up to 10 separate “other” asset holdings.
Your Human Capital:
The VeriPlan home investment calculator automatically projects your depletable, yet-to-be-earned “human capital.” Gross human capital is your yet-to-be-earned total wage and earned income. Gross human capital pays your ongoing living expense budget before your retirement, and it provides the potential to save. Net human capital is your yet-to-be-earned savings or your net income from your earnings. You must convert your net human capital into assets that will pay your living expenses, after your human capital or your potential to earn is gone.
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
To understand VeriPlan's features and capabilities go here:
An example of VeriPlan’s lifetime family total assets graphic:
This is an example of a lifetime investment calculator projection for one couple’s cash, bond, stock, business, and real estate assets. This graphic is automatically generated for all scenarios that you develop in VeriPlan. Investment projections are net of all taxes and all investment fees. This graphic also includes a measure of human capital, and it integrates the financial impacts of the payoff of all debts.
A customer comment from the sidebar: "I am a recently retired engineer, and I created a cash flow Excel spreadsheet for 25 years of retirement. So, I fully appreciate the data and potential variances that must be accounted for. Yet, mine is so very simple compared to VeriPlan. I love VeriPlan's concept of total control over inputs and parameters. Veriplan's objectives are very much like mine, but it has many, many more input and control options, and the price is spot on." L. G. in Southbridge, VA
Find Home Financial Planning Software
A customer comment from the sidebar: "Thanks for developing a great product. I have looked at Money Tree, Money Guide Pro, and some other FP software, and I have used Right Capital (a good product also, but still $100 per month). Yours is just as robust for a much more affordable price. I also extensively use Quicken for my finances, but the planning tool in it is kind of basic, so VeriPlan will complement Quicken very well." E. Z. in San Mateo, CA
Discover Family Financial Planning Software
A customer comment from the sidebar: "I spent parts of the past several days entering data into the VeriPlan workbook while digesting as much of the methodology as possible. My takeaway is that VeriPlan is an extraordinary tool, especially in its ability to generate projections based on detailed alternate scenarios. During the learning process, I also found it to be a wonderful financial education in its own right." S. N. in Sammamish, WA
Financial Planning Software for Individuals
A customer comment from the sidebar: "Previously I used some consumer retirement planners like New Retirement. What they offer is a projection of your financial situation that is wildly generalized. A generalized projection is probably better than having no projection at all and could very well be used for rough, long-term planning. However, for fine grained planning, such a system is wholly inadequate. VeriPlan is vastly superior in comprehensiveness and flexibility." T. D. in Edison, NJ
Family Financial Planning Software
A customer comment from the sidebar: "I purchased VeriPlan for the Roth conversion features. I enjoy VeriPlan and appreciate the thoroughness of the design and excellent commentary. I now work for (financial company name redacted) since retiring from (computer company name redacted) in a Retirement and Workplace Planning role. The accuracy, conciseness, and utility of the information presented by VeriPlan is great." M. S. in White Plains, NY
Family Financial Planning Software for Home Use
A customer comment from the sidebar: "I've been using VeriPlan for a few weeks now, and it is everything I was looking for plus a whole lot more of what I didn't even know I needed. By simply switching VeriPlan to a state that does not have a state income tax, I can see how much I could save on traditional IRA distributions in retirement by moving to a state without income taxes. It is a real education in personal finance, and I think just about everyone would benefit from using this tool. I am going to tell everyone I know about VeriPlan. Thank you very much for creating it. Your web sites are great, too." T. H. in Silicon Valley CA
Financial Planning and Retirement Software for Home Use
A customer comment from the sidebar: "I thought I would let you know that VeriPlan was the primary decision support tool in my decision to retire early, which was about 4 years ago now. And it has worked out really well. Since then I got married, and we have traveled to 10 countries -- some on mission trips. I had used the lifetime planners in Microsoft Money and Quicken but they were not robust enough to make a major decision with. In retrospect they are toys compared to VeriPlan. So VeriPlan has been a very big help to me. Also, I recently read your Lowest Cost Mutual Funds book, which was great. It brought a few things to my attention that I need to work on." Email update from T. H. in Silicon Valley
Family Financial Planning and Retirement Software
.
Related Personal Financial Planning Software Articles
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
See a complete list of VeriPlan's features and capabilities
