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{"sheet":"Investment reqd. for retirement","index":0,"n_rows":27,"n_cols":12,"rows_kept":27,"cut":false,"hidden":false,"merged":[[0,0,0,4],[7,0,7,4],[18,0,18,3],[19,0,19,4]]}
["Retirement Planner (Read and enter data row by row. Fill only cells in green)",null,null,null,null,null,null,null,null,0,{"$f":"B6*12*((1+E6)^n-(1+gd+0.0001%)^n)/(E6-gd+0.00001%)","v":652.13403512150387},"SIPEQ"]
["Your age at the end of current year",39,null,"No of years you expect to work",20,null,null,null,null,0.1,{"$f":"B7*12*((1+E7)^n-(1+gd+0.0001%)^n)/(E7-gd+0.00001%)","v":325.08890831677013},"SIPDET"]
["Current monthly expenses that will persist in retirement",30000,null,"Annual expenses that will persist in retirement excl. life insurance premium",0,null,null,null,null,0.2,{"$f":"12*((1+B10)^B9-(1+gd+0.0001%)^B9)/(B10-gd+0.00001%)","v":41.996393991974855},"sipefz"]
["Years after retirement you expect to live! (don't underestimate!)",31,null,"factor in new expenses in retirement (eg. health) as a %",0,null,null,null,null,0.3,null,{"$f":"B24*((sipeq+(sipdet-(sipdet-12*n)*10.3%))*(1+B10*(1-slab))^B9+(sipefz-(sipefz-12*B9)*10.3%))+E18+(B15*(1+B10*(1-slab))^B9)","v":81671450.07238096}]
["Expected inflation upto retirement (do not underestimate)",0.09,null,"Expected inflation after retirement (do not expect to decrease!)",0.08,null,null,null,null,null,null,{"$f":"(E23-E18-(B15*(1+B10*(1-0))^B9))/((sipeq+(sipdet-(sipdet-12*n)*0))*(1+B10*(1-0))^B9+(sipefz-(sipefz-12*B9)*0))","v":34736.906621403461}]
["How much of your investment do you wish to allocate to equity",0.6,null,"Return you expect from equity (be practical. 10-12% and only above 10 yrs)",0.12]
["The rest is assumed to be invested in debt instruments",{"$f":"1-B6","v":0.4},null,"Return you expect from debt instruments (not more than 8-9%)",0.08]
["2-3 years away from retirement let us assume we get rid of all equity and shift it to debt. Let us call these 2-3 years the 'equity-free zone'. *"]
["Duration of the equity-free zone",3,null,"Years during which equity allocation is maximum",{"$f":"wy-B9","v":17}]
["Rate of return expected in the equity free zone ",0.06,null,"We assume this investment is in a risk-free instrument (liquid fund or even SB acc!)"]
["Your likely tax slab just before you retire",0.3,null,"Anticipated post-retirement rate of interest",7.0000000000000007E-2]
["If you have some amount invested so far then determine the current post-tax value and treat this value as a new lump sum investment. If this is already in equity and/or you "]
["intend to put it in equity then the applicable tax is zero. Else as a safe guard, returns from this 'investment' is assumed to be taxed as per slab at the time of retirement"]
["Amount invested so far (end of current year)",4000000,null,"Tax rate for this amt at the start of the equity free zone (0% only for equity)",0.1]
["At the start of the equity free zone this amount, after taxes, will be worth",{"$f":"B14*(1+E15*(1-IF(E14=10%,10.3%,IF(E14=20%,20.6%,IF(E14=30%,30.9%)))))^(n)","v":12993263.487606606},null,"rate of interest for this amount",0.08]
["YOUR monthly PF contribution (It is assumed your employer matches this)",18000,null,"Current EPF balance",2000000]
["average EPF rate of interest %",0.08,null,"projected annual increase in monthly contribution %",0.05]
[null,null,null,"Projected EPF corpus when you retire (EPS corpus is not included)**",{"$f":"E16*(1+B17)^wy+((((1+IF(B17=E17,B17+0.00001%,B17))^wy)-((1+E17)^wy))/(IF(B17=E17,B17+0.00001%,B17)-E17))*12*(B16+B16*3.67%)","v":24307566.176457167}]
["Estimate annual increase in monthly investments you can afford (non-EPF) as accurately as possible. Crucial to stick to this year after year to ensure success",null,null,null,0.1]
["The tax on your pension/annuity from the corpus is estimated assuming current annual expenses = taxable income under present tax slab - likely post-retirement scenario"]
["Average current expenses per month",{"$f":"B3+(E3/12)","v":30000},null,"Estimated tax rate on monthy pension",{"$f":"(1+3%)*IF(expenses*(1+addexp)*12<=200000,0,IF(expenses*(1+addexp)*12<=500000,(expenses*(1+addexp)*12-200000)*10%,IF(expenses*(1+addexp)*12<=1000000,30000+\n\n(expenses*(1+addexp)*12-500000)*20%,30000+500000*20%+(expenses*(1+addexp)*12-1000000)*30%)))/(expenses*(1+addexp)*12)","v":4.5777777777777778E-2}]
["Pre-tax monthly pension in 1st year of retirement",{"$f":"(B21+E4*B21)*(1+preinf)^(wy)*(1+inf)^(1)/(1-E21)","v":190294.15229205307},null,"Post-tax monthly pension in 1st year of retirement = initial mon. expenses",{"$f":"B22*(1-E21)","v":181582.90887601685}]
["Corpus required after taxes to provide monthly provide pension or annuity (which will increase each year with inflation) and will last your lifetime",null,null,null,{"$f":"PV((1+retroi)/(1+inf)-1,k,-prepen1*12,,1)","v":81671450.07238096}]
["Initial monthly investment required =",{"$f":"(E23-E18-(B15*(1+B10*(1-slab))^B9))/((sipeq+(sipdet-(sipdet-12*n)*10.3%))*(1+B10*(1-slab))^B9+(sipefz-(sipefz-12*B9)*10.3%))","v":37660.041489674957}]
[]
["* We assume long-term gains from equity are tax-free"]
["** Only 3.67% of the employers contributions goes to EPF. Rest goes to EPS to generate pension"]

{"sheet":"Investment req. for other goals","index":1,"n_rows":100,"n_cols":36,"rows_kept":100,"cut":false,"hidden":false,"merged":[[31,0,31,2],[32,0,32,2],[33,0,33,2],[14,0,14,2],[15,0,15,7],[25,2,25,4],[26,2,26,4],[25,6,25,9],[26,6,26,9]]}
["Enter data only in green cells",null,null,null,null,null,null,null,null,null,null,63588.136019797479,"Year","Monthly",null,null,"Additional","Withdrawal","Corpus",null,null,null,null,null,null,null,"equity investing stops",0,null,0,null,0,null,0,null,0]
["Enter name of the goal for your reference","Goal 1",null,"Goal 2",null,"Goal 3",null,"Goal 4",null,"Goal 5",null,{"$f":"g0","v":81671450.07238096},null,"investment",null,null,"investment",null,null,null,null,null,null,null,null,null,"max equity investing years",{"$f":"B3-AB1","v":11},null,{"$f":"D3-AD1","v":2},null,{"$f":"F3-AF1","v":3},null,{"$f":"H3-AH1","v":12},null,{"$f":"J3-AJ1","v":6}]
["Years to goal (has to be before retirement)*",11,null,2,null,3,null,12,null,6,null,{"$f":"'Investment reqd. for retirement'!wy","v":20},1,{"$f":"IF(M3=0,0,invest*(1+increment)^(M3-1))","v":63588.136019797479},{"$f":"IF(ISERROR(IF(M3=\"\",\"\",IF(M3=loany1,loansip1,IF(O2=loansip1,loansip1,0)))+IF(M3=\"\",\"\",IF(M3=loany2,loansip2,IF(P2=loansip2,loansip2,0)))),\"\",IF(M3=\"\",\"\",IF(M3=loany1,loansip1,IF(O2=loansip1,loansip1,0)))+IF(M3=\"\",\"\",IF(M3=loany2,loansip2,IF(P2=loansip2,loansip2,0))))","v":0},{"$f":"IF(M3=\"\",\"\",IF(M3=loany2,loansip2,IF(P2=loansip2,loansip2,0)))","v":0},{"$f":"IF(ISERROR(IF(M3=0,0,IF(M3=loany1,loansip1,IF(O2=loansip1,loansip1,0)))+IF(M3=0,0,IF(M3=loany2,loansip2,IF(P2=loansip2,loansip2,0)))),\"\",IF(M3=0,0,IF(M3=loany1,loansip1,IF(O2=loansip1,loansip1,0)))+IF(M3=0,0,IF(M3=loany2,loansip2,IF(P2=loansip2,loansip2,0))))","v":0},{"$f":"IF(M3=ygoal1,goal1,IF(M3=ygoal2,goal2,IF(M3=ygoal3,goal3,IF(M3=ygoal4,goal4,IF(M3=ygoal5,goal5,0)))))","v":0},{"$f":"IF(M3=0,0,((N3+Q3)*12+(S2-R2))*(1+interest))","v":839363.39546132681},null,null,null,null,null,null,null,"* that is less than ",{"$f":"'Investment reqd. for retirement'!wy","v":20},null," years"]
["Present cost",1500000,null,1500000,null,0,null,121212,null,0,null,null,{"$f":"IF(M3='Investment reqd. for retirement'!wy,0,IF(M3=0,0,IF(M3>='Investment reqd. for retirement'!wy,\"\",M3+1)))","v":2},69946.949621777239,{"$f":"IF(M4=\"\",\"\",IF(M4=loany1,loansip1,IF(O3=loansip1,loansip1,0)))","v":0},0,0,1815000.0000000002,1846599.4700149193,null,null,null,null,null,null,null,null,{"$f":"IF(B3>=AB3,1,IF(D3>=AB3,1,IF(F3>=AB3,1,IF(H3>=AB3,1,IF(J3>=AB3,1,0)))))","v":0}]
["inflation",0.1,null,0.1,null,0.1,null,0.1,null,7.0000000000000007E-2,null,null,{"$f":"IF(M4='Investment reqd. for retirement'!wy,0,IF(M4=0,0,IF(M4>='Investment reqd. for retirement'!wy,\"\",M4+1)))","v":3},76941.644583954956,0,0,0,0,1050389.1255246166]
["Rate of return expected**",0.1,null,0.1,null,0.1,null,0.1,null,0.1,null,null,{"$f":"IF(M5='Investment reqd. for retirement'!wy,0,IF(M5=0,0,IF(M5>='Investment reqd. for retirement'!wy,\"\",M5+1)))","v":4},84635.809042350476,0,0,0,0,2272620.717436105]
["Future Cost",{"$f":"B4*(1+B5)^AB2","v":4279675.0591650037},null,{"$f":"D4*(1+D5)^AD2","v":1815000.0000000002},null,{"$f":"F4*(1+F5)^AF2","v":0},null,{"$f":"H4*(1+H5)^AH2","v":380415.18039910618},null,{"$f":"J4*(1+J5)^AJ2","v":0},null,null,{"$f":"IF(M6='Investment reqd. for retirement'!wy,0,IF(M6=0,0,IF(M6>='Investment reqd. for retirement'!wy,\"\",M6+1)))","v":5},93099.389946585521,0,0,0,0,3728794.7364746449]
["Amt invested so far",0,null,0,null,0,null,0,null,0,null,null,{"$f":"IF(M7='Investment reqd. for retirement'!wy,0,IF(M7=0,0,IF(M7>='Investment reqd. for retirement'!wy,\"\",M7+1)))","v":6},102409.32894124408,0,0,0,0,5453477.3521465324]
["RoI of current invest.",0.08,null,0.08,null,0.08,null,0.08,null,0.08,null,null,{"$f":"IF(M8='Investment reqd. for retirement'!wy,0,IF(M8=0,0,IF(M8>='Investment reqd. for retirement'!wy,\"\",M8+1)))","v":7},112650.2618353685,0,0,0,0,7485808.5435880506]
["Future value of curr. Inv.",{"$f":"B8*(1+B9)^AB2","v":0},null,{"$f":"D8*(1+D9)^AD2","v":0},null,{"$f":"F8*(1+F9)^AF2","v":0},null,{"$f":"H8*(1+H9)^AH2","v":0},null,{"$f":"J8*(1+J9)^AJ2","v":0},null,null,{"$f":"IF(M9='Investment reqd. for retirement'!wy,0,IF(M9=0,0,IF(M9>='Investment reqd. for retirement'!wy,\"\",M9+1)))","v":8},123915.28801890537,0,0,0,0,9870071.1997964066]
["Annual inc. in monthly invest. %",0.1,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M10='Investment reqd. for retirement'!wy,0,IF(M10=0,0,IF(M10>='Investment reqd. for retirement'!wy,\"\",M10+1)))","v":9},136306.81682079588,0,0,0,0,12656328.301810553]
["initial mon. invest. reqd.",{"$f":"IF(B6=B11,(B7-B10)/(12*AB2*(1+B6)^AB2),(B7-B10)*(B6-B11)/(12*(1+B6)*((1+B6)^(AB2)-(1+B11)^(AB2))))","v":11363.636363636364},null,{"$f":"IF(D6=D11,(D7-D10)/(12*AD2*(1+D6)^AD2),(D7-D10)*(D6-D11)/(12*(1+D6)*((1+D6)^(AD2)-(1+D11)^(AD2))))","v":65476.190476190415},null,{"$f":"IF(F6=F11,(F7-F10)/(12*AF2*(1+F6)^AF2),(F7-F10)*(F6-F11)/(12*(1+F6)*((1+F6)^(AF2)-(1+F11)^(AF2))))","v":0},null,{"$f":"IF(H6=H11,(H7-H10)/(12*AH2*(1+H6)^AH2),(H7-H10)*(H6-H11)/(12*(1+H6)*((1+H6)^(AH2)-(1+H11)^(AH2))))","v":1347.6874962072741},null,{"$f":"IF(J6=J11,(J7-J10)/(12*AJ2*(1+J6)^AJ2),(J7-J10)*(J6-J11)/(12*(1+J6)*((1+J6)^(AJ2)-(1+J11)^(AJ2))))","v":0},null,{"$f":"'Investment reqd. for retirement'!B24","v":37660.041489674957},{"$f":"IF(M11='Investment reqd. for retirement'!wy,0,IF(M11=0,0,IF(M11>='Investment reqd. for retirement'!wy,\"\",M11+1)))","v":10},149937.49850287547,0,0,0,0,15901136.112229567]
[{"$f":"CONCATENATE(AA3,AB3,AD3)","v":"* that is less than 20 years"},"** average of equity and debt investments",null,null,null,"Note: Tax is not considered for goals other than retirement",null,null,null,null,null,null,{"$f":"IF(M12='Investment reqd. for retirement'!wy,0,IF(M12=0,0,IF(M12>='Investment reqd. for retirement'!wy,\"\",M12+1)))","v":11},164931.24835316304,0,0,0,4279675.0591650037,19668342.201714277]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M13='Investment reqd. for retirement'!wy,0,IF(M13=0,0,IF(M13>='Investment reqd. for retirement'!wy,\"\",M13+1)))","v":12},181424.3731884794,0,0,0,380415.18039910618,19322335.582892131]
["If we treat all goals individually then you will immediately need ",null,null,{"$f":"'Investment reqd. for retirement'!B24+'Investment req. for other goals'!B12+'Investment req. for other goals'!D12+'Investment req. for other goals'!F12+'Investment req. for other goals'!H12+'Investment req. for other goals'!J12","v":115847.55582570902},null,null,null,null,null,null,null,null,{"$f":"IF(M14='Investment reqd. for retirement'!wy,0,IF(M14=0,0,IF(M14>='Investment reqd. for retirement'!wy,\"\",M14+1)))","v":13},199566.81050732732,0,0,0,0,23470394.34143905]
["If one can manage to spare this much, great! If not one typically considers reducing goal targets & postponing some goals",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M15='Investment reqd. for retirement'!wy,0,IF(M15=0,0,IF(M15>='Investment reqd. for retirement'!wy,\"\",M15+1)))","v":14},219523.49155806005,0,0,0,0,28715143.864149351]
["Before resorting to this, one could try to check if this total amt. can be reduced. This is done by assuming we invest some amount 'X' each month which is increased",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M16='Investment reqd. for retirement'!wy,0,IF(M16=0,0,IF(M16>='Investment reqd. for retirement'!wy,\"\",M16+1)))","v":15},241475.84071386611,0,0,0,0,34774139.347987324]
["(if possible) by some % each year. We adjust 'X' such that the necessary funds for each goal is deducted at appropriate junctures. The final corpus will be equal to the ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M17='Investment reqd. for retirement'!wy,0,IF(M17=0,0,IF(M17>='Investment reqd. for retirement'!wy,\"\",M17+1)))","v":16},265623.42478525272,0,0,0,0,41757782.489951394]
["retirement next egg. If the % annual increase is high enough then 'X' can be significantly lower. If you have liabilities like loans running currently and can free up some",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M18='Investment reqd. for retirement'!wy,0,IF(M18=0,0,IF(M18>='Investment reqd. for retirement'!wy,\"\",M18+1)))","v":17},292185.76726377802,0,0,0,0,49790412.866828412]
["money after a few years then 'X' will decrease even further. There are two ways to fix the rate of return. (1) We choose any average rate of return we are comfortable",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M19='Investment reqd. for retirement'!wy,0,IF(M19=0,0,IF(M19>='Investment reqd. for retirement'!wy,\"\",M19+1)))","v":18},321404.34399015579,0,0,0,0,59011991.494181313]
["with or (2) We could assume that the rate of return is the average rate of return you expect for your retirement goal, which is",null,null,null,null,null,null,{"$f":"'Investment reqd. for retirement'!B6*'Investment reqd. for retirement'!E6+'Investment reqd. for retirement'!B7*'Investment reqd. for retirement'!E7","v":0.104},null,null,null,null,{"$f":"IF(M20='Investment reqd. for retirement'!wy,0,IF(M20=0,0,IF(M20>='Investment reqd. for retirement'!wy,\"\",M20+1)))","v":19},353544.77838917141,0,0,0,0,69579981.718336508]
["Enter the 'average' expected rate of return",0.1,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M21='Investment reqd. for retirement'!wy,0,IF(M21=0,0,IF(M21>='Investment reqd. for retirement'!wy,\"\",M21+1)))","v":20},388899.25622808863,0,0,0,0,81671450.07238093]
["To determine 'X' the following inputs are required:",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M22='Investment reqd. for retirement'!wy,0,IF(M22=0,0,IF(M22>='Investment reqd. for retirement'!wy,\"\",M22+1)))","v":0},0,0,0,0,0,0]
["The % by which you afford to increase the monthly investment each year",null,null,0.1,null,null,null,null,null,null,null,null,{"$f":"IF(M23='Investment reqd. for retirement'!wy,0,IF(M23=0,0,IF(M23>='Investment reqd. for retirement'!wy,\"\",M23+1)))","v":0},0,0,0,0,0,0]
["Can you increase more after a few years due to closure of loans? You can include details of two loans",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M24='Investment reqd. for retirement'!wy,0,IF(M24=0,0,IF(M24>='Investment reqd. for retirement'!wy,\"\",M24+1)))","v":0},0,0,0,0,0,0]
["Extra amount you can invest per month",null,"after",null,null,5,{"$f":"CONCATENATE(\"years \",A13)","v":"years * that is less than 20 years"},null,null,null,null,null,{"$f":"IF(M25='Investment reqd. for retirement'!wy,0,IF(M25=0,0,IF(M25>='Investment reqd. for retirement'!wy,\"\",M25+1)))","v":0},0,0,0,0,0,0]
["Extra amount you can invest per month",null,"after",null,null,10,{"$f":"CONCATENATE(\"years \",A13)","v":"years * that is less than 20 years"},null,null,null,null,null,{"$f":"IF(M26='Investment reqd. for retirement'!wy,0,IF(M26=0,0,IF(M26>='Investment reqd. for retirement'!wy,\"\",M26+1)))","v":0},0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M27='Investment reqd. for retirement'!wy,0,IF(M27=0,0,IF(M27>='Investment reqd. for retirement'!wy,\"\",M27+1)))","v":0},0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M28='Investment reqd. for retirement'!wy,0,IF(M28=0,0,IF(M28>='Investment reqd. for retirement'!wy,\"\",M28+1)))","v":0},0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M29='Investment reqd. for retirement'!wy,0,IF(M29=0,0,IF(M29>='Investment reqd. for retirement'!wy,\"\",M29+1)))","v":0},0,0,0,0,0,0]
[null,null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M30='Investment reqd. for retirement'!wy,0,IF(M30=0,0,IF(M30>='Investment reqd. for retirement'!wy,\"\",M30+1)))","v":0},0,0,0,0,0,0]
["Total initial monthly investment required after optimization",null,null,{"$f":"invest","v":63588.136019797479},null,null,null,null,null,null,null,null,{"$f":"IF(M31='Investment reqd. for retirement'!wy,0,IF(M31=0,0,IF(M31>='Investment reqd. for retirement'!wy,\"\",M31+1)))","v":0},0,0,0,0,0,0]
["Total initial monthly investment required before optimization",null,null,{"$f":"D15","v":115847.55582570902},null,null,null,null,null,null,null,null,{"$f":"IF(M32='Investment reqd. for retirement'!wy,0,IF(M32=0,0,IF(M32>='Investment reqd. for retirement'!wy,\"\",M32+1)))","v":0},0,0,0,0,0,0]
["Reduction in investment because of optimization",null,null,{"$f":"IF(D32<D33,(D32-D33)/D33,\"NA\")","v":-0.45110507022293234},null,null,null,null,null,null,null,null,{"$f":"IF(M33='Investment reqd. for retirement'!wy,0,IF(M33=0,0,IF(M33>='Investment reqd. for retirement'!wy,\"\",M33+1)))","v":0},0,0,0,0,0,0]
["The expected cash flow is show in adjoining table. Sometimes the redcution in investment is pretty good and sometimes only so-so. Like every other calculator",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M34='Investment reqd. for retirement'!wy,0,IF(M34=0,0,IF(M34>='Investment reqd. for retirement'!wy,\"\",M34+1)))","v":0},{"$f":"IF(M35=0,0,invest*(1+increment)^(M35-1))","v":0},0,{"$f":"IF(M35=\"\",\"\",IF(M35=loany2,loansip2,IF(P34=loansip2,loansip2,0)))","v":0},{"$f":"IF(ISERROR(IF(M35=0,0,IF(M35=loany1,loansip1,IF(O34=loansip1,loansip1,0)))+IF(M35=0,0,IF(M35=loany2,loansip2,IF(P34=loansip2,loansip2,0)))),\"\",IF(M35=0,0,IF(M35=loany1,loansip1,IF(O34=loansip1,loansip1,0)))+IF(M35=0,0,IF(M35=loany2,loansip2,IF(P34=loansip2,loansip2,0))))","v":0},{"$f":"IF(M35=ygoal1,goal1,IF(M35=ygoal2,goal2,IF(M35=ygoal3,goal3,IF(M35=ygoal4,goal4,IF(M35=ygoal5,goal5,0)))))","v":0},{"$f":"IF(M35=0,0,((N35+Q35)*12+(S34-R34))*(1+interest))","v":0}]
["it all depends on the inputs! If the reduction is decent then treat it as a motivator to start investing. The numbers generated by goal planners can be overwhelming.",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M35='Investment reqd. for retirement'!wy,0,IF(M35=0,0,IF(M35>='Investment reqd. for retirement'!wy,\"\",M35+1)))","v":0},0,{"$f":"IF(M36=\"\",\"\",IF(M36=loany1,loansip1,IF(O35=loansip1,loansip1,0)))","v":0},0,0,0,0]
["The goal optimizer provides you encouragement to start investing despite the large sum needed for investment. Not trying to say the reduction is unreal or false. ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M36='Investment reqd. for retirement'!wy,0,IF(M36=0,0,IF(M36>='Investment reqd. for retirement'!wy,\"\",M36+1)))","v":0},0,0,0,0,0,0]
["Just that every goal has plenty of underlying assumptions. If you can manage to invest the total amount required prior to optimization then I suggest you go ahead ",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M37='Investment reqd. for retirement'!wy,0,IF(M37=0,0,IF(M37>='Investment reqd. for retirement'!wy,\"\",M37+1)))","v":0},0,0,0,0,0,0]
["and invest that amount. The reduction motivates those who cannot do this. Like every other planner this is no guarantee for success.",null,null,null,null,null,null,null,null,null,null,null,{"$f":"IF(M38='Investment reqd. for retirement'!wy,0,IF(M38=0,0,IF(M38>='Investment reqd. for retirement'!wy,\"\",M38+1)))","v":0},0,0,0,0,0,0]
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