## Sample Scenario 011 – Investing \$100,000 in CDs at Fixed 2.25% per Year

Sample Scenario 11 is very similar to Sample Scenario 9 except we are investing in certificates of deposit (CDs) instead of a savings account. We’ve also assumed that the rate of return on CDs are slightly better than the interest rate you’d earn investing your money in a savings account. In this Scenario we assumed that you are able to earn 2.25% per year investing \$100K in CDs. Again, simple and easy. This Scenario was made so I could create the How to Invest \$100K article where I compare investing \$100K in a variety of different investments. This Scenario investing … Read more

## Sample Scenario 010 – Investing \$100,000 in Savings at Approximately 2% per Year

Sample Scenario 10 adds some complexity to Sample Scenario 9. In both Scenarios you are investing \$100K in a savings account. However, in the previous Scenario, sample Scenario 9, the interest rate on the savings account was fixed at 2% for the entire Scenario. In this one, sample scenario 10, we’ve added a Rule that makes the rate of return for the savings account variable. The Rule… and you can change these assumptions by copying it to your Planner™ and editing the Rule… will select a random number using a normal distribution curve between -.25 and .25 and add that … Read more

## Sample Scenario 009 – Investing \$100,000 in Savings at Fixed 2% per Year

In this sample Scenario you are starting with \$100,000 and just sticking it in a savings account that is earning 2% per year. That’s it. Nothing more, nothing less. I created it as part of the epic blog post I am creating on How to Invest \$100K where I compare how to invest \$100K in a variety of different investments. Copy To Your Own Planner™ If you want to copy this Scenario to your own Planner™ you can use the button below to copy this Scenario to your own account. From there, you can modify any of the assumptions or … Read more

## Sample Scenario 008 – Investing \$100,000 in Stocks at Fixed 8.97% per Year while Earning and Spending \$5K per Month and Buy 10 Nomads™, Start Earning \$2K/mo From Social Security in May, 2040

This is similar to Scenario 006 except in this Scenario we are adding in that you start collecting \$2,000 per month (in today’s dollars) in May, 2040. We buy a home to live in with 5% down payment and lender-paid private mortgage insurance (PMI) instead and then a year later we buy a second home to live in, again with 5% down payment and lender-paid PMI. We convert the first one to a rental property. We repeat this process waiting at least a year between each purchase to comply with the owner-occupant lender requirement to live in the property for … Read more

## Sample Scenario 007 – Investing \$100,000 in Stocks at 8.97%/yr and Earning and Spending \$5,000/mo and Buy a Home To Live In with 5% Down Payment and 1 BRRR With Nothing Down

This is similar to Scenario 005 except in this Scenario we are buying 1 home to live in and 1 using the BRRR strategy. We buy a home to live in with 5% down payment and lender-paid private mortgage insurance (PMI). At the same time, we find a property that we can buy at a very large discount and purchase it with hard money. After a year of seasoning, we refinance the property with a rate and term refinance at a slightly higher rate than the 5% down owner occupant loan we got for our other purchase and leave no … Read more

## Sample Scenario 006 – Investing \$100,000 in Stocks at Fixed 8.97% per Year while Earning and Spending \$5K per Month and Buy 10 Nomads™

This is similar to Scenario 005 except in this Scenario we are Nomading™ ten times. We buy a home to live in with 5% down payment and lender-paid private mortgage insurance (PMI) instead and then a year later we buy a second home to live in, again with 5% down payment and lender-paid PMI. We convert the first one to a rental property. We repeat this process waiting at least a year between each purchase to comply with the owner-occupant lender requirement to live in the property for at least a year. If we have less than \$10,000 in reserves … Read more

## Sample Scenario 005 – Investing \$100,000 in Stocks at Fixed 8.97% per Year while Earning and Spending \$5K per Month and Buy 2 Nomads™

This is similar to Scenario 004 except in this Scenario we are Nomading™ twice. We buy a home to live in with 5% down payment and lender-paid private mortgage insurance (PMI) instead and then a year later we buy a second home to live in, again with 5% down payment and lender-paid PMI. We convert the first one to a rental property. I will be adding to this page in a future revision, but wanted to get it posted for you now as I prepare additional Scenarios for upcoming classes I am teaching. Scenarios with Fixed Rate of Return on … Read more

## Sample Scenario 004 – Investing \$100,000 in Stocks at Fixed 8.97% per Year while Earning and Spending \$5K per Month and Buy a Home To Live In with 5% Down Payment

This is similar to Scenario 002 except in this Scenario we are buying a home to live in with 5% down payment and lender-paid private mortgage insurance (PMI) instead of renting. I will be adding to this page in a future revision, but wanted to get it posted for you now as I prepare additional Scenarios for upcoming classes I am teaching. Scenarios with Fixed Rate of Return on Stocks Scenarios Starting With \$100K Scenarios With Income and Expenses Scenarios With Lender-Paid Private Mortgage Insurance Scenarios With Stocks and Real Estate

## Sample Scenario 003 – Investing \$100,000 in Stocks at Fixed 8.97% per Year while Earning and Spending \$5K per Month and Social Security Starting in Feb, 2040

In this “Sample Scenario”, our third, we add to the previous Scenario an additional paycheck for \$1,200 per month that begins in February, 2040. This is an example of how you might model starting to receive a check from social security on a specific date in the future with the Real Estate Financial Planner™ software. Adding an Additional, Future Income Stream Like Social Security To add this additional, future income stream to your model we use another Paycheck and Personal Expenses rule. In Sample Scenario 002 and this Scenario, the Paycheck and Personal Expenses rule for the \$5,000 in personal … Read more

## Sample Scenario 002 – Investing \$100,000 in Stocks at Fixed 8.97% per Year while Earning and Spending \$5K per Month

This is our second “Sample Scenario” that you can use as a template to copy into your own Real Estate Financial Planner™ software. This Sample Scenario 002 is just a tad bit simpler than Sample Scenario 001. The Difference The difference between Sample Scenario 001 and this Scenario is that we’ve added a Rule to model receiving a paycheck of \$5,000 per month and personal expenses of \$5,000 per month. We used the Paycheck and Personal Expenses rule with the following settings: Paycheck gets deposited to the Account that is investing in VTSMX and earning a fixed rate of 8.97% … Read more