Most retirement calculators make assumptions that are impractical. Like if the

Apr 21, 2021
1:46:27pm

Baron AKA "Dear Leader"

market tanks it doesn't adjust your spend and in most scenarios you would cut back.

IOW, if you put in real world actions that you might take, the number of 70% probably jumps to 90% plus pretty quickly.

Report problem with this ad

Baron

Previous username: jarocho
Bio page: Baron
Joined: Sep 1, 2006
Last login: May 23, 2024
Total posts: 94,750 (33,004 FO)

Report problem with this ad

Messages

Author

Time

Anyone use the Personal Capital retirement planner? How confident are you on

LaserCoug

4/21/21 1:13pm

This is the best retirement planner I've found

CougarTwins

4/21/21 1:15pm

I use it, I think their numbers are more conservative than I personally expect

BYUFootballisBack

4/21/21 1:16pm

<< Deleted >>

Buffalo

4/21/21 1:18pm

Just don't expect to take SS before age 70. right now it is full retirement at

Nat Gas Man

4/21/21 1:28pm

My retirement age should be 67. Still plan on taking it at 70 though. No HSA

LaserCoug

4/21/21 1:32pm

I'm in that boat. Had to take a medical retirement, but didn't claim it. So we

Nat Gas Man

4/21/21 1:42pm

I hope to retire around 63 when my daughter graduates so we'll see.

LaserCoug

4/21/21 1:45pm

I use it. It's great. I don't have good answers for your questions though.

supertux

4/21/21 1:27pm

<< Deleted >>

Buffalo

4/21/21 2:16pm

It's likely safer the way they use it than it is to have it stored in your browser or password manager

supertux

4/21/21 2:24pm

<< Deleted >>

Buffalo

4/21/21 3:01pm

I use vanguard, Transamerica, empower and ally, chase and benefitwallet and they all work most of the time

supertux

4/21/21 5:55pm

I really like it. Though I think they are conservative... about 6% APY. S&P is

AFewThoughts

4/21/21 1:45pm

Most retirement calculators make assumptions that are impractical. Like if the

Baron

4/21/21 1:46pm

I really like the site, but I don't put too much stock in their retirement calculator.

TheLoneCougar

4/21/21 2:34pm

I use madfientist's calculator in my own spreadsheet and it matches up pretty closely with the PC planner

supertux

4/21/21 5:56pm

Interesting. I do use his "laboratory" too but I haven't compared to the PC planner.

Posting on CougarBoard