DIY Personal & Retirement Financial Planning
Do-It-Yourself financial and investment planning Excel spreadsheet software
Pay Lower Investment Expenses To Get Higher Investment Returns – Part 1 Excessive investment costs are a plague on your personal financial planning. Excessive investment expenses are one of the most significant barriers to lifelong family financial security. While financial services industry sales people tell you that you need to pay more to get more, […]
No financial planning software and no investment growth calculator can predict the future – Part 2 The future in not predictable, even with automated financial planning software. The future is fundamentally not predictable. The future of personal financial planning and investing is similarly unpredictable. The Skilled Investor’s approach with VeriPlan is different. As a lifetime […]
No financial planning software and no investment growth calculator can predict the future The future is simply not predictable, even with automated financial planning software. A previous financial article, “The Solution – ONLY follow financial strategies that are scientific, passive, diversified, savings focused, risk controlled, low cost, and tax efficient,†suggested that investors are much […]
Do not ignore insurable risks that could destroy your best laid financial plans A previous financial article, “The Solution – ONLY follow financial strategies that are scientific, passive, diversified, savings focused, risk controlled, low cost, and tax efficient,†suggested that investors are much better off with a well-considered financial plan. A stable set of financial […]
If personal finance is difficult for you, carefully hire a good financial and investment adviser A previous financial article, “The Solution – ONLY follow financial strategies that are scientific, passive, diversified, savings focused, risk controlled, low cost, and tax efficient,†suggested that investors are much better off with a well-considered financial plan. A stable set […]
Spending your valuable time on the wrong financial activities is just plain bad for you A previous article, “The Solution – ONLY follow financial strategies that are scientific, passive, diversified, savings focused, risk controlled, low cost, and tax efficient,†suggested that individuals are much better off with a well-considered financial viewpoint. This follow-up article discusses […]
Factors that tend to favor Roth tax-advantaged plan contributions – Part 2 (Continued from Part 1…) Financial Planning Software for Consumers In a recent article, “Traditional versus Roth tax-advantaged plan contributions,” The Skilled Investor discussed why the average taxpayer would tend to benefit more by contributing to traditional rather than to Roth tax-advantaged IRA and […]
Factors that tend to favor Roth IRA and Roth 401k tax-advantaged plan contributions In a recent article, “Traditional versus Roth tax-advantaged plan contributions,” The Skilled Investor discussed why the average taxpayer would tend to benefit more by contributing to traditional rather than to tax-advantaged Roth IRA and Roth 401(k) retirement plans. This follow-up article in […]
For Individual Investors Risk-Free Investment Money Is Fantasy Money Securities with low investment risk and high investment returns are just fantasies. No “risk-free” investment money is consistently and reliably available to individuals. Luck dominates skill in the securities markets. Clever investment selection is vastly over-hyped, and only the promoters tend to benefit. On average over […]
VeriPlan helps you to understand your lifetime personal savings requirements and whether your current savings rate is sufficient How much you earn, spend, and save are by far the most dominant determinants of your long-term financial well-being. You need a means to evaluate your current sustainable lifecycle consumption rate. VeriPlan provides such a means. VeriPlan […]
VeriPlan is designed to help you pursue scientifically based financial planning strategies VeriPlan offers you unprecedented direct control to perform your own automated personal financial planning. VeriPlan’s functionality also implements the principles of scientific finance. VeriPlan’s internal documentation and its links to information on the web help you to understand scientifically based personal financial planning […]