VeriPlan Personal Financial Planning

DIY financial and retirement planning Excel calculator software

Cash Asset Allocation

VeriPlan’s investment growth calculator helps you to understand the projected value of your cash assets across your lifetime

To develop your lifetime projections, the VeriPlan compound investment calculator allows you to enter as many as 24 separate cash and cash equivalent asset holdings. For each of your current cash holding in your investment portfolio, you can also enter your investment costs and your current tax basis.

In addition, you can indicate whether you hold a particular cash asset in a taxable investment account, in a traditional IRA or other tax-advantaged traditional retirement plan account, versus in a Roth IRA retirement account or a designated Roth 403b, 457, 401k retirement account.

Using the information that you provide about your current cash, bond, and stock holdings, VeriPlan’s future value investment calculator will automatically project the net worth valuation, investment cost, and tax characteristics of your investment portfolio annually across your lifetime.

Furthermore, VeriPlan’s home retirement investment calculator capabilities will project your year-by-year positive and/or negative net income from earned income and other non-asset income sources, after your annual living expenses would be paid. Then, VeriPlan’s fully integrated savings investment calculator will automatically project your return on investment and net worth broken down by asset class.

Project your lifetime stock, bond, and cash assets with automated annual rebalancing, capital gains taxes, and investment cost calculations.

VeriPlan’s long term investment calculator features will project your annual lifetime investment returns net of investment costs and investment taxes, according to the particular asset allocation method you have chosen from the five provided by VeriPlan’s retirement calculator asset allocation tool. Simultaneously, VeriPlan will automatically take into account and report on your investment costs and on your capital gains tax and other tax obligations.

Your VeriPlan IRA investment calculator lifetime projections always maintain a separation between A) your taxable accounts, B) your traditional IRA, 401k, 403b, 457, Simple, Keogh, and other traditional retirement savings accounts, and C) your Roth IRA and Roth 401k retirement accounts. With VeriPlan’s Roth IRA investment calculator and its 457, 403b and 401k investment calculator features, taxes on your projected asset returns and withdrawals will be applied differently, depending upon the tax rules for each type of account.

Your current investment portfolio costs allow the VeriPlan home investment calculator to measure the cost efficiency of your financial investment portfolio related to the five major types of investment costs. VeriPlan’s cost efficiency measurements are weight-adjusted by the value of the assets that you are projected to hold in each of your cash, bond, and stock asset accounts across you lifetime.

VeriPlan’s five asset allocation methods allow you to analyze a wide variety of asset allocation strategies for your lifetime through its easy-to-use:

  • cash savings investment calculator,
  • bond investment calculator,
  • stock investment calculator, and
  • mutual fund investment calculator software features.

Here is an example of one of VeriPlan’s lifetime retirement planning worksheet projection graphics with a 10% allocation to cash and cash equivalent assets. This graphic projects your cash, bond, and stock financial assets. Additional lifetime graphics automatically project your real estate and other assets, while also reflecting your projected debts.

Lifetime Total Cash Asset Allocation

Internally, the VeriPlan financial investment calculator maintains separate information for each of your individual investment asset accounts throughout your lifetime projections. This very detailed approach allows VeriPlan to project automatically your overall portfolio tax efficiency and investment cost efficiency for each year of your lifetime projection.

The VeriPlan retirement planning spreadsheet does this even though the net values of your individual asset holdings may change at different rates due to differences in investment appreciation, costs, and taxes. By completely avoiding the use of arbitrary averages across groups of investors, the VeriPlan retirement planning tool provides you with much deeper and unique insights based on your particular personal financial planning across your lifetime.

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VeriPlan is the Best Retirement Planning Worksheet for home use!
Cash Asset Allocation
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