Check out this automated tool for aligning your investment risk tolerance and asset allocation – A Tip from The Skilled Investor
Your tolerance for investment risk is a relative thing. Few people like investment risk, but some can handle it better than others can. The more investment risk you are willing to tolerate, the higher your potential expected investment returns and investment growth. At the same time, the investment road you take might be rougher.
Securities markets tend to pay a return on investment only for shouldering investment risks at the market level. The cash, bond, and stock financial asset classes have different expected risk and return characteristics.
Financial asset allocation is the apportionment of your investment portfolio into one or more of these classes of market-traded financial assets. How you allocate major portions of your assets among the primary financial asset classes determines your portfolio’s overall exposure to investment risk and thus your potential for investment growth. (See related articles from The Skilled Investor in these categories: Returns and Risk Premiums, Asset Allocation and Risk Tolerance, and Securities Valuation)
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
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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
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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
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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: "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
Family Financial Planning Software for Home Use
A customer comment from the sidebar: "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
Personal Financial Planning and Retirement Software
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
A customer comment from the sidebar: "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." L. B. in Chadds Ford, PA
Family Financial Planning and Retirement Software
A customer comment from the sidebar: "I absolutely love your software! I saw my cash balance growing larger than it needs to out in the future. Then, I found the portfolio rebalancing tool at the bottom of the asset allocation input worksheet. This allowed me to distinguish between cash needed for transactions and cash held for investments. This rebalancing tool will be very useful." R. C. in Flagstaff, AZ
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The VeriPlan personal financial planning software provides a fully automated and integrated asset allocation tool with five user selectable and adjustable asset allocation methods. Each of these asset allocation methods provides automatic annual portfolio rebalancing across your lifetime.
VeriPlan’s five asset allocation methods give you unprecedented flexibility in your personal financial planning. VeriPlan allows you to analyze a wide variety of asset allocation strategies across your lifetime. It enables you to choose the one that matches your preferences for investment risk and return on investment. Within the context of your particular financial circumstances, VeriPlan can give you a much better understanding of the interplay between investment risk and investment growth projected over your lifetime.
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
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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
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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: "I am thankful for your product and am seeking to integrate it into more of my work over time. I appreciate its honesty and the fact that it ties one's entire financial life together in ways I have not seen with other software." R. J. in Raleigh, NC
The Best DIY Retirement Planning Software
A customer comment from the sidebar: "I have enjoyed exploring the VeriPlan software since my purchase about a month ago. Given the potential intricacies of each user's personal facts and circumstances, your tab-by-tab instructions are extremely clear." D. F. in Armonk, NY
Financial Planning Software for Consumers
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
A customer comment from the sidebar: "Veriplan is absolutely the best. I think I OCD a bit on differing scenarios, timing on selling property and assets, return on investment, taxation, timing on taking Social Security, taking Survivor Benefits or not on our pensions, etc. Bottom line is we are retired and in excellent position financially. Thanks." T. D. in Omaha, NE
Family Financial Planning Software for Home Use
A customer comment from the sidebar: "I find the program to be very detailed and robust. I can't imagine the hours you must have put in. I started to put a lot of data into it and added some more in the past week. I want a detailed picture of our situation vis a vis Roth conversions now that we are retired. I am getting very involved in my retirement tax planning, and VeriPlan is the tool that I need." R. L. in Wales, WI
Personal Financial Planning and Retirement Software
A customer comment from the sidebar: "I have been reading many of your articles on investing and retirement planning. I will be spending the next few weeks reading your articles and the VeriPlan user manual. I wish I had this information 20 years ago. I started forwarding many of your articles to my son as he gets started with his career and starts investing." N. G. in Colorado Springs, CO
Financial Planning and Retirement Software for Home Use
A customer comment from the sidebar: "I'm nearing retirement, and finally receiving some significant financial payoffs from a career of risk and entrepreneurial endeavors. It's time to get my arms around my finances. VeriPlan is just the kind of product I was looking for." S. A. in Seattle, WA
Family Financial Planning and Retirement Software
A customer comment from the sidebar: "Anybody who wants a low cost family financial and retirement plan can get a great deal of value out of VeriPlan. Since VeriPlan is self-learning and fully changeable, I also really like not having to pay for updates or a support contract." L. E. in Syracuse, NY
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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: "VeriPlan is very intuitive, easy to navigate and extensively documented. The spreadsheets I've used in the past lacked many of VeriPlan's features and were not nearly as useful as VeriPlan." P. F. in Canton, OH
The Best DIY Retirement Planning Software
A customer comment from the sidebar: "VeriPlan has exactly what I was looking for. I have been thinking of developing my own spreadsheet (much simpler than VeriPlan) to help me understand what to do, but you saved me a lot of time in not having to do so." R. G. in Lincoln, NE
Financial Planning Software for Consumers
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'm glad that my analysis was correct. With retirement about three years away, I need to start doing some serious financial planning with your software. Thank you for your outstanding software." H. B. in Ft. Worth, TX
Family Financial Planning Software for Consumers
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 love the program, and I have been able to get answers to my questions about how much to convert to Roth and when to do Roth conversions. VeriPlan is very helpful in understanding the cumulative value of bringing down future RMD distributions and their associated taxes. It also helps me to see whether we might be able to stay below IRRMA and higher tax brackets for longer." A. W. in Williamsburg, VA
Personal Financial Planning and Retirement Software
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
A customer comment from the sidebar: "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
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Only $57 for a license for ALL your household PCs
… with Free Shipping of the CD within the USA
Full 30-Day, 100% Money Back Guarantee — No Questions Asked
No Support Contract Required
No Need To Buy Upgrades, Since All Parameters Are User-Changeable
VeriPlan is a Great Product, a Great Deal,
and a Great Help with Your Personal Financial Planning.
Thank You Very Much for Your Order!
Note: We mail your VeriPlan CD on the next business day after PayPal has notified us of your order. When your order ships, we will send a shipment notification email to you using the email address supplied by PayPal. VeriPlan is shipped via the USPS, and deliveries typically take 3 to 10 days to arrive.
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