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SS 015 Investing $100,000 in Bonds at Approx 4.59%/yr

You start with $100,000 invested in bonds. We're modeling investing in bonds that are earning 4.59% per year at the start. However, we have a Rule that changes the yearly rate of return for the bonds. We run a Monte Carlo 100 times.

The  Scenario you want to copy into your Real Estate Financial Planner™ software has the following:

  • 2  Accounts (including  Default Cash Account)
  • 0  Properties
  • 1  Rules

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Once it is in your account, you can view detailed  Charts for dozens of variables and edit any of the assumptions for  Accounts,  Properties, and  Rules to run your own what-if  Scenarios.

You can change things like:

  • Adjust how much money you start with in any  Account
  • Model variable stock, bond and real estate rates of returns
  • Change how many  Properties you buy and when you buy them
  • Set your own personalized target monhtly income in retirement to indicate when you reach financial independence
  • Model receiving social security payments when you reach a certain age
  • See what happens if there is a market crash or correction for your stocks, bonds and/or your real estate
  • Tweak price and rent appreciation rates for individual  Properties or all your  Properties
  • Find out what happens if you pay off your mortgages early... with cash flow each month or only when you have enough to pay off the  Property in full
  • Use equity in  Properties you own to cash-out refinance and buy more  Properties or invest it elsewhere
  • Model buying more  Properties than you need then selling off any extras to pay off the remaining  Properties to achieve your own user-defined financial independence number
  • Evaluate your own safe withdrawal rate and see how it impacts your investment plan
  • And much, much more...

Scenario

  • Modeled for 720 months (60 years)
  • 15% effective income tax rate
  • 3% inflation rate
  • 4.875% mortgage interest rate
  • 4% yearly safe withdrawal rate (SWR)
  • $5,000 minimum target monthly income in retirement (MTMIR) in today's dollars
  • $20,000 ideal target monthly income in retirement (ITMIR) in today's dollars
  •  100 Monte Carlo runs

Accounts

Summary of assumptions for the Account in this Scenario.

  • Account Name:  $100,000 Invested in VBMFX at 4.59%/year
  • $100,000 starting account balance
  • 4.59% yearly rate of return (at start)
  • Asset Type: Bonds

Properties

This scenario has no Properties.

Rules

These are the Rules included with this Scenario.

Set Value On Accounts

  • This  Rule runs for the entire  Scenario.
  • Changes the value of Yearly Rate of Return on  $100,000 Invested in VBMFX at 4.59%/year.
  • The  Rule sets the value of Yearly Rate of Return each month that it runs using a random number between -9.576 and 18.962 with a standard deviation of 4.760 in discrete steps of 0.010.
  • However, values can never be lower than -9.576 and never higher than 18.962.