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.
Connect with us on social media
- Twitter @freefincal
- Subscribe to our Youtube Videos
- Posts feed via: Feedburner
- We are also on Google Plus and Pinterest
Do check out my books
You Can Be Rich Too with Goal-Based InvestingMy first book is now available at a 35% discount for Rs. 258. It comes with nine online calculators. Get it now. The kindle edition is only Rs. 199.
Gamechanger: Forget Startups, Join Corporate & Still Live the Rich Life You WantGet it or gift it to a young earner
The ultimate guide to travel by Pranav SuryaGet the pdf for ₹199 (instant download)
Free Apps for your Android PhoneInstall Financial Freedom App! (Google Play Store)
Install Freefincal Retirement Planner App! (Google Play Store)
Find out if you have enough to say "FU" to your employer (Google Play Store)