The low-stress retirement calculator now allows the user to determine monthly investment amount required to build a retirement corpus by varying asset allocatio (equity allocation) with age.
Instead of a fixed asset allocation of debt and equity up to retirement, the user can (typically) gradually decrease equity exposure with age. This was an idea suggested by CFP Deepesh Mehta. A small Excel macro is necessary to handle this.
The sheet also incorporate a more accurate EPF corpus calculation as suggested by Kartick Krishnan. I have integrated the features of the EPF contribution schedule with the low stress calculator.
Regualr readers may reacall that there is also an even low-stress retirement calculator
The ‘even low stress’ is best suited for investors who have been investing for a while and have a reasonable corpus built up. Instead of using a single post-retirement return, a bucket strategy based on an income ladder is used.
If you a young earner, use the current version of the low-stress sheet.