Receiving Tax-free Cash Flows

Question: I'd like to know if there is a way to account for tax-free cash flows? (for example, an individual has agreed to lend a mortgage to someone. The capital payments that this individual recieves should be tax-free.) Answer: You can enter up to four different years' worth...

By: RetireWare / Equisoft On 10:28 AM

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Monte Carlo Simulation and Withdrawal Amounts in Retirement

Question: I have done extensive research on the Internet regarding using Monte Carlo simulators for retirement planning. From what I have read, it is more important to withdraw a fixed percentage (i.e 4%) of your total portfolio each year rather than a dollar amount. For example a $1...

By: RetireWare / Equisoft On 10:26 AM

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The 4% Solution in Retrospect

What would have happened if you retired 30 years ago? In my previous post, we talked about safe withdrawal rates. The withdrawal rate is a convenient approach that researchers use to determine how much a retiree can withdraw each year from a portfolio of assets and minimize the odds of running...

By: RetireWare / Equisoft On 11:48 AM

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Beta Release

Upcoming release dates First, a sincere thank you to all who have expressed interest in our new product. I think it is breaking new grounds and will help many Canadians prepare for retirement and monitor their finances using modeling tools that value design and sophistication. Status Our beta release date...

By: RetireWare / Equisoft On 5:21 PM

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Tax Deductions for Investment Loans

Question: Does your software take into consideration the tax deductibility of investment loans (i.e. do we have the option to make a loan deductible or non-deductible)? Answer: No it does not. This is a refinement we plan to bring in the future. ...

By: RetireWare / Equisoft On 10:31 AM

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Government Pensions

Question: Your calculations for the amount of Canada Pension and Old Age Security which I will receive increase dramatically over the years. What is the basis for these annual increases? Is there any provision made for Claw-Back of Old Age Security Payments in years when total income is...

By: RetireWare / Equisoft On 7:53 PM

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