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

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Apr 21, 2021
1:13:30pm

LaserCoug All-American

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

their Median and 10th percentile projections? What success rate do you target? I know they like to see it above 70% but a 70% success rate gets me nervous with something like retirement. Also how much SS do you project? I have one with my numbers from SSA.gov and one with half that.

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LaserCoug

Previous username: (Private)
Bio page: LaserCoug
Joined: Dec 5, 2006
Last login: Apr 19, 2024
Total posts: 27,616 (9,863 FO)

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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.

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.

4/22/21 8:16am

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