lifetime investment Archives - DIY Personal & Retirement Financial Planning

DIY Personal & Retirement Financial Planning

Do-It-Yourself financial and investment planning Excel spreadsheet software

Early Retirement for Renters through Investment Cost Reductions

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 […]

Lifetime Investment Assets of Renters with Reduced Investment Costs

Lifetime investment assets of renters through investment cost improvements Improving on Fran and Fred’s lifetime financial plan through lower investment costs 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 to their lifetime […]

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"Larry, Thanks for the response. I watched the videos you’ve made so far on YouTube. Very good. In fact one of them addressed a situation that applies to me. 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

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