DIY Personal & Retirement Financial Planning
Do-It-Yourself financial and investment planning Excel spreadsheet software
Snapshots in time – How investment securities are valued Every securities market transaction requires a buyer and seller with differing viewpoints. Markets can operate, because there are differences between investors in their assessments of the intrinsic value and risk of securities. Financial Planning Software for Consumers Current investment values vary in the eyes of the […]
Introduction: Roth IRA Contributions versus Traditional IRA Contributions for Renters In a series of articles, The Skilled Investor compares different lifetime financial planning projections for Fran and Fred Frugal to illustrate the relative value of adopting different financial planning strategies. Fran and Fred, both ages 30, are a married working couple with $100,000 in combined […]
Early retirement for renters due to investment cost improvements and higher savings rates Improving on Fran and Fred’s lifetime financial plan with earlier retirement Fran and Fred Frugal, both age 30, are a married working couple with $100,000 in combined annual earned income. They want to understand how valuable different personal finance strategies could be […]
Understanding one-time investment fees, such as sales loads Sales load charges and commissions on investment purchases differ from the financial service industry’s numerous other recurring methods of charging fees to their retail consumers. Sales loads are less straightforward to analyze for investment lifetime cost-effectiveness, compared to annually recurring charges. (See: Pay less to get more) […]