Comments on: Tools to Analyze Our Retirement Portfolio

By: Mike Murphy

Mike Murphy — Thu, 19 Jan 2012 16:01:22 +0000

Try flexibleretirementplanner.com. has lots and lots of options, from very simple to more detailed. Runs Monte Carol simulation (similar to what Financial Engines does, as noted above – but without the detailed portfolio analysis).

Has good online help to explain how it works. Be sure to click on the button for “Additional Inputs” to enter things like one time purchase of new car, or one time cost to repair roof/replace heating-air/other big ticket expenses.

Note – it focuses on one person – so to analyze for two, enter data as if younger person has both incomes and all expenses and all accounts.

Downside, the free version won’t let you save scenarios – unless you donate, in which case they could send a downloadable version that has ability to save scenarios.

By: Dave Albin

Dave Albin — Sun, 22 May 2011 01:15:44 +0000

I have to highly recommend an excel spreadsheet which you can download from http://www.simpleplanning.net called “Retirement Planner”. It cost me $10 bucks, but its worth it. There are several tabs where you input the usual things like age (incl your spouse), money in taxed accounts, non-taxed accounts, expected rates of return, expected inflation, when you and/or your spouse plan to retire, your budget in retirement, and then shows you graphically how your investments grow, and your nest egg adjusts. I’ve used it to get a real understanding of how much my monthly/annual expenditures can be in retirement to live to say 95. It’s the best spreadsheet I’ve seen, and I’ve been doing this for 10 years.

By: Lyn

Lyn — Sun, 09 May 2010 13:05:42 +0000

i tried cakefinancial before but it shut down already. Nowadays, i use secondopinion.asia which has nice portfolio analysis and risk management tools. it monitors the risk of my portfolio and also automatically pulls my new transactions, no need to keep a spreadsheet anymore.