Best Investment Strategy Archives - VeriPlan Personal Financial Planning

Investment risk and return analysis using VeriPlan’s Excel Monte Carlo analysis features

VeriPlan’s Excel Monte Carlo analysis features simplify investment risk and return analysis To simplify investment risk and return analysis, VeriPlan’s “Painless” Excel Monte Carlo investment performance variation method allows you to project investment performance with parameters that systematically vary compounded historical real dollar returns with inflation removed that are below or above VeriPlan’s 50th percentile […]

Long-term compounded real dollar and inflationary returns for the U.S. cash, bond, and stock asset classes

Long-term U.S. cash, bond, and stock asset class compounded returns Many investors would like to have a better understanding of long-term historical investment returns, so that they can have a more realistic understanding of what investment returns might be in the future. This article informs interested investors about historical inflationary and real dollar returns for […]

VeriPlan Overview 4: Your Investment Portfolio Projections

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 […]

What is the Best Investment Strategy?

Personal investing seems incredibly complex, but the best investment strategy also tends to be a more simple investment strategy The complexity of personal investment management is driven by the nature of investing in securities that have uncertain and unknowable future values. Nobody — amateur or professional — has a working crystal ball that can predict […]

User Praise for VeriPlan:

"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

"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

"Finally, I absolutely love the enhancements you have made. They provide exactly the kind of specificity that I have been looking for. You have created a wonderful program!"J. B in East Orange, NJ

"I purchased your program about 2 weeks ago. In general, I find it is a fantastic planning tool. I've been doing Roth conversions, but starting full SSA this year for me makes this a real guessing game. Your program helps a lot with figuring that out. You provide a prodigious amount to documentation and instructions to wade through. The program is, nevertheless, excellent."L. B. in Chadds Ford, PA

More User Praise for VeriPlan

"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

"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

"Thank you for the update. 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

Even More User Praise for VeriPlan

"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

"Larry, this software is phenomenal. Wish I would have had it years ago. I can’t think of anything else the tool needs. Right now I feel like a kid in a candy store. I’m just reevaluating many of my decisions with a more comprehensive tool than my self-made Excel spreadsheet."T. H. in Newberry, FL

"The VeriPlan program and materials are extremely well thought out (not to mention voluminous). I think I now have a decent handle on the program, inputs and outputs. Your attention to detail is really impressive, and the analysis is excellent."W. B. in Carmel, CA