The Stock Market Risk

Risky stocks Stock market risk is the risk of the decrease in the market value of an investment. In contrast to the sequence of returns risk, the risk that a market downturn reduces the capital base near the time of retirement, stock market risk is a period of...

By: RetireWare / Equisoft On 9:54 PM

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Sale of Principal Residence

Question: I have completed entering data for my wife & myself. The data includes selling the principal residence and using a portion of the capital for future income. However the program results ignore that instruction. Principal residence value continues unchanged and cash flow goes negative. Answer: Ensure that...

By: RetireWare / Equisoft On 6:35 PM

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Detailed Cash Flow

Question: Is there a way to see the cash flow for the asset and income in a table format? Answer: There are links in the last part of each of the Accumulations, Income Forecast and Savings tabs in the View results page. The links open a pop up...

By: RetireWare / Equisoft On 6:33 PM

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Pension Income Splitting

Question: Does the software take into account defined benefit plans and post retirement income splitting? Answer: Yes, you can enter in the 'Pensions' page a current or past defined benefit pension plan. There is an option for splitting pension income, and if selected the program will apply the...

By: RetireWare / Equisoft On 6:32 PM

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Economic Forecast

Question: Can the rates of returns be adjusted by the user or are they fixed? Answer: If you have the professional or DIY version, you can modify the rates and have your own forecast. Otherwise, the RetireWare defaults will apply. ...

By: RetireWare / Equisoft On 6:31 PM

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Compliance

Question: Does this software comply with IIROC Guidelines? Answer: A review of IIROC's Guidance Note 11-0349 "Guidelines for the review, supervision and retention of advertisements, sales literature and correspondence" indicates that it is not in breach of the policy. However, you may want to ask your compliance department....

By: RetireWare / Equisoft On 6:29 PM

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Post-retirement Budget

Question: I am retired and the software seems to ignore the post retirement budget data I’ve entered for my wife and I. The budget statement is empty. Answer: There are two budgets: pre-retirement and post-retirement. The budget that applies in your case is the post-retirement budget. Since you're...

By: RetireWare / Equisoft On 6:27 PM

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Incomplete or no 'View' Page

Question: I have entered all information into an advanced retirement plan and the only result that shows up under “View” is one chart. There is no Monte Carlo, risk analysis, accumulations, income forecast, etc. Answer: For a few users who use Internet Explorer 9 (and sometimes the recent...

By: RetireWare / Equisoft On 6:26 PM

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