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ABCDEFGHIJKLMNOPQRSTUVWXYZAAABACADAEAFAGAHAIAJAK
1
INSTRUCTIONS
Current Year2015Goal 2Goal 4Goal 6
2
File>>
Current Age43Year2024Year0Year0
3
Make a Copy
Perpetual Goal: Retirement Lifestyle Wanted
Description
University Child A
DescriptionDunnoDescriptionDunno
4
Then Play
Retirement Lifestyle Cost/month in today's $
$12,000.00Cost now$320,468.00Cost now$0.00Cost now$0.00
5
with YELLOW
Expected Long term average Inflation /year
3.50%Inflation pa6.00%Inflation pa6.00%Inflation pa6.00%
6
variables
Expected Years till retirement18Future cost$541,423.94Future cost$0.00Future cost$0.00
7
Expected Long term average total investment & trading returns pa%
8.00%Goal 3Goal 5Goal 7
8
THEN FOCUS ON
Minimum Age to take out all from EPF (this or until retirement Age will be used, whichever higher)
55Year2031Year0Year0
9
COLUMN D,
Expected POST RETIREMENT Long term average total investment & trading returns pa%
6.00%Description
University Child B
DescriptionDunnoDescriptionDunno
10
ROW 14 ONWARDS
Cost/year in today's $$144,000.00Cost now$320,468.00Cost now$0.00Cost now$0.00
11
AS LONG AS NOT
Cost/year in future value of $ based on average 03.50% inflation /year
$267,478.44Inflation pa6.00%Inflation pa6.00%Inflation pa3.00%
12
RED, U ARE OK
Total portfolio needed to cover lifestyle living expenses based on 08.00% portfolio returns
$3,343,480.55Future cost$814,101.42Future cost$0.00Future cost$0.00
13
AgeYearRemarksCash Investment and trading portfolio size
START
Expected Long term returns %paCash Investment and trading portfolio
growth
Yearly net salary cash savingsYearly net salary cash savings increase
Cash Investments & Trading portfolio size at Year EndYear's Goals' costsRetired yet?
2033
EPF & EPF funded investments size STARTExpected Long term returns %paEPF & EPF funded Investments
growth
Yearly EPF SavingsYearly EPF savings increase
EPF & EPF funded investments size at Year EndAge able to take out all from EPF?Cost of Retirement Lifestyle
Cost of Goal 2: University Child ACost of Goal 3: University Child BCost of Goal 4: DunnoCost of Goal 5: DunnoCost of Goal 6: DunnoCost of Goal 7: Dunno
14
432015Start$288,000.008.00%$23,040.00$16,000.002.00%$327,040.00$0.00No$286,000.006.50%$18,590.00$19,320.004.00%$323,910.00No
15
442016for your own remarks as U see the simulation$327,040.008.00%$26,163.20$16,320.002.00%$369,523.20$0.00No$323,910.006.50%$21,054.15$20,092.804.00%$365,056.95No
16
452017$369,523.208.00%$29,561.86$16,646.402.00%$415,731.46$0.00No$365,056.956.50%$23,728.70$20,896.514.00%$409,682.16No
17
462018$415,731.468.00%$33,258.52$16,979.332.00%$465,969.30$0.00No$409,682.166.50%$26,629.34$21,732.374.00%$458,043.88No
18
472019$465,969.308.00%$37,277.54$17,318.912.00%$520,565.76$0.00No$458,043.886.50%$29,772.85$22,601.674.00%$510,418.40No
19
482020$520,565.768.00%$41,645.26$17,665.292.00%$579,876.31$0.00No$510,418.406.50%$33,177.20$23,505.734.00%$567,101.33No
20
492021$579,876.318.00%$46,390.11$18,018.602.00%$644,285.02$0.00No$567,101.336.50%$36,861.59$24,445.964.00%$628,408.88No
21
502022$644,285.028.00%$51,542.80$18,378.972.00%$714,206.79$0.00No$628,408.886.50%$40,846.58$25,423.804.00%$694,679.25No
22
512023$714,206.798.00%$57,136.54$18,746.552.00%$790,089.88$0.00No$694,679.256.50%$45,154.15$26,440.754.00%$766,274.16No
23
522024$790,089.888.00%$63,207.19$19,121.482.00%$872,418.55-$541,423.94No$766,274.166.50%$49,807.82$27,498.384.00%$843,580.36No541423.943
24
532025$330,994.618.00%$26,479.57$19,503.912.00%$376,978.09$0.00No$843,580.366.50%$54,832.72$28,598.324.00%$927,011.41No
25
542026$376,978.098.00%$30,158.25$19,893.992.00%$427,030.33$0.00No$927,011.416.50%$60,255.74$29,742.254.00%$1,017,009.40No
26
552027$427,030.338.00%$34,162.43$20,291.872.00%$481,484.62$0.00No$1,017,009.406.50%$66,105.61$30,931.944.00%$1,114,046.96No
27
562028$481,484.628.00%$38,518.77$20,697.712.00%$540,701.10$0.00No$1,114,046.966.50%$72,413.05$32,169.224.00%$1,218,629.23No
28
572029$540,701.108.00%$43,256.09$21,111.662.00%$605,068.84$0.00No$1,218,629.236.50%$79,210.90$33,455.994.00%$1,331,296.12No
29
582030$605,068.848.00%$48,405.51$21,533.892.00%$675,008.25$0.00No$1,331,296.126.50%$86,534.25$34,794.234.00%$1,452,624.59No
30
592031$675,008.258.00%$54,000.66$21,964.572.00%$750,973.48-$814,101.42No$1,452,624.596.50%$94,420.60$36,186.004.00%$1,583,231.19No814101.4237
31
602032-$63,127.958.00%-$5,050.24$22,403.862.00%-$45,774.32$0.00No$1,583,231.196.50%$102,910.03$37,633.444.00%$1,723,774.65No
32
612033-$45,774.328.00%-$3,661.95$22,851.942.00%-$26,584.33-$267,478.44Retired$1,723,774.656.50%$112,045.35$39,138.784.00%$1,874,958.78Yes$267,478.44
33
622034$1,580,896.016.00%$94,853.76$0.002.00%$1,675,749.77-$276,840.19Retired6.50%4.00%$276,840.19
34
632035$1,398,909.586.00%$83,934.57$0.002.00%$1,482,844.16-$286,529.60Retired6.50%4.00%$286,529.60
35
642036$1,196,314.566.00%$71,778.87$0.002.00%$1,268,093.43-$296,558.13Retired6.50%4.00%$296,558.13
36
652037$971,535.306.00%$58,292.12$0.002.00%$1,029,827.42-$306,937.67Retired6.50%4.00%$306,937.67
37
662038$722,889.756.00%$43,373.39$0.002.00%$766,263.14-$317,680.49Retired6.50%4.00%$317,680.49
38
672039$448,582.656.00%$26,914.96$0.002.00%$475,497.61-$328,799.30Retired6.50%4.00%$328,799.30
39
682040$146,698.316.00%$8,801.90$0.002.00%$155,500.21-$340,307.28Retired6.50%4.00%$340,307.28
40
692041-$184,807.076.00%-$11,088.42$0.002.00%-$195,895.49-$352,218.03Retired6.50%4.00%$352,218.03
41
702042-$548,113.536.00%-$32,886.81$0.002.00%-$581,000.34-$364,545.66Retired6.50%4.00%$364,545.66
42
712043-$945,546.006.00%-$56,732.76$0.002.00%-$1,002,278.76-$377,304.76Retired6.50%4.00%$377,304.76
43
722044-$1,379,583.526.00%-$82,775.01$0.002.00%-$1,462,358.53-$390,510.43Retired6.50%4.00%$390,510.43
44
732045-$1,852,868.966.00%-$111,172.14$0.002.00%-$1,964,041.10-$404,178.29Retired6.50%4.00%$404,178.29
45
742046-$2,368,219.396.00%-$142,093.16$0.002.00%-$2,510,312.56-$418,324.53Retired6.50%4.00%$418,324.53
46
752047-$2,928,637.096.00%-$175,718.23$0.002.00%-$3,104,355.32-$432,965.89Retired6.50%4.00%$432,965.89
47
762048-$3,537,321.216.00%-$212,239.27$0.002.00%-$3,749,560.48-$448,119.70Retired6.50%4.00%$448,119.70
48
772049-$4,197,680.186.00%-$251,860.81$0.002.00%-$4,449,540.99-$463,803.89Retired6.50%4.00%$463,803.89
49
782050-$4,913,344.886.00%-$294,800.69$0.002.00%-$5,208,145.57-$480,037.02Retired6.50%4.00%$480,037.02
50
792051-$5,688,182.606.00%-$341,290.96$0.002.00%-$6,029,473.55-$496,838.32Retired6.50%4.00%$496,838.32
51
802052-$6,526,311.876.00%-$391,578.71$0.002.00%-$6,917,890.58-$514,227.66Retired6.50%4.00%$514,227.66
52
812053-$7,432,118.256.00%-$445,927.09$0.002.00%-$7,878,045.34-$532,225.63Retired6.50%4.00%$532,225.63
53
822054-$8,410,270.976.00%-$504,616.26$0.002.00%-$8,914,887.23-$550,853.53Retired6.50%4.00%$550,853.53
54
832055-$9,465,740.756.00%-$567,944.45$0.002.00%-$10,033,685.20-$570,133.40Retired6.50%4.00%$570,133.40
55
842056-$10,603,818.606.00%-$636,229.12$0.002.00%-$11,240,047.72-$590,088.07Retired6.50%4.00%$590,088.07
56
852057-$11,830,135.786.00%-$709,808.15$0.002.00%-$12,539,943.93-$610,741.15Retired6.50%4.00%$610,741.15
57
862058-$13,150,685.086.00%-$789,041.10$0.002.00%-$13,939,726.19-$632,117.09Retired6.50%4.00%$632,117.09
58
872059-$14,571,843.286.00%-$874,310.60$0.002.00%-$15,446,153.88-$654,241.19Retired6.50%4.00%$654,241.19
59
882060-$16,100,395.076.00%-$966,023.70$0.002.00%-$17,066,418.77-$677,139.63Retired6.50%4.00%$677,139.63
60
892061-$17,743,558.406.00%-$1,064,613.50$0.002.00%-$18,808,171.90-$700,839.52Retired6.50%4.00%$700,839.52
61
902062-$19,509,011.426.00%-$1,170,540.69$0.002.00%-$20,679,552.11-$725,368.90Retired6.50%4.00%$725,368.90
62
912063-$21,404,921.016.00%-$1,284,295.26$0.002.00%-$22,689,216.27-$750,756.81Retired6.50%4.00%$750,756.81
63
922064-$23,439,973.086.00%-$1,406,398.39$0.002.00%-$24,846,371.47-$777,033.30Retired6.50%4.00%$777,033.30
64
932065-$25,623,404.776.00%-$1,537,404.29$0.002.00%-$27,160,809.06-$804,229.47Retired6.50%4.00%$804,229.47
65
942066-$27,965,038.526.00%-$1,677,902.31$0.002.00%-$29,642,940.84-$832,377.50Retired6.50%4.00%$832,377.50
66
952067-$30,475,318.336.00%-$1,828,519.10$0.002.00%-$32,303,837.43-$861,510.71Retired6.50%4.00%$861,510.71
67
962068-$33,165,348.156.00%-$1,989,920.89$0.002.00%-$35,155,269.03-$891,663.59Retired6.50%4.00%$891,663.59
68
972069-$36,046,932.626.00%-$2,162,815.96$0.002.00%-$38,209,748.58-$922,871.81Retired6.50%4.00%$922,871.81
69
982070-$39,132,620.396.00%-$2,347,957.22$0.002.00%-$41,480,577.61-$955,172.32Retired6.50%4.00%$955,172.32
70
992071-$42,435,749.946.00%-$2,546,145.00$0.002.00%-$44,981,894.93-$988,603.36Retired6.50%4.00%$988,603.36
71
1002072-$45,970,498.296.00%-$2,758,229.90$0.002.00%-$48,728,728.19-$1,023,204.47Retired6.50%4.00%$1,023,204.47
72
1012073-$49,751,932.666.00%-$2,985,115.96$0.002.00%-$52,737,048.62-$1,059,016.63Retired6.50%4.00%$1,059,016.63
73
1022074-$53,796,065.256.00%-$3,227,763.92$0.002.00%-$57,023,829.17-$1,096,082.21Retired6.50%4.00%$1,096,082.21
74
1032075-$58,119,911.386.00%-$3,487,194.68$0.002.00%-$61,607,106.06-$1,134,445.09Retired6.50%4.00%$1,134,445.09
75
1042076-$62,741,551.156.00%-$3,764,493.07$0.002.00%-$66,506,044.22-$1,174,150.67Retired6.50%4.00%$1,174,150.67
76
1052077-$67,680,194.896.00%-$4,060,811.69$0.002.00%-$71,741,006.58-$1,215,245.94Retired6.50%4.00%$1,215,245.94
77
1062078-$72,956,252.526.00%-$4,377,375.15$0.002.00%-$77,333,627.67-$1,257,779.55Retired6.50%4.00%$1,257,779.55
78
1072079-$78,591,407.226.00%-$4,715,484.43$0.002.00%-$83,306,891.65-$1,301,801.83Retired6.50%4.00%$1,301,801.83
79
1082080-$84,608,693.496.00%-$5,076,521.61$0.002.00%-$89,685,215.10-$1,347,364.90Retired6.50%4.00%$1,347,364.90
80
1092081-$91,032,580.006.00%-$5,461,954.80$0.002.00%-$96,494,534.79-$1,394,522.67Retired6.50%4.00%$1,394,522.67
81
1102082-$97,889,057.466.00%-$5,873,343.45$0.002.00%-$103,762,400.91-$1,443,330.96Retired6.50%4.00%$1,443,330.96
82
1112083-$105,205,731.876.00%-$6,312,343.91$0.002.00%-$111,518,075.79-$1,493,847.55Retired6.50%4.00%$1,493,847.55
83
1122084-$113,011,923.336.00%-$6,780,715.40$0.002.00%-$119,792,638.73-$1,546,132.21Retired6.50%4.00%$1,546,132.21
84
1132085-$121,338,770.946.00%-$7,280,326.26$0.002.00%-$128,619,097.20-$1,600,246.84Retired6.50%4.00%$1,600,246.84
85
1142086-$130,219,344.046.00%-$7,813,160.64$0.002.00%-$138,032,504.68-$1,656,255.48Retired6.50%4.00%$1,656,255.48
86
1152087-$139,688,760.166.00%-$8,381,325.61$0.002.00%-$148,070,085.77-$1,714,224.42Retired6.50%4.00%$1,714,224.42
87
1162088-$149,784,310.186.00%-$8,987,058.61$0.002.00%-$158,771,368.79-$1,774,222.27Retired6.50%4.00%$1,774,222.27
88
1172089-$160,545,591.076.00%-$9,632,735.46$0.002.00%-$170,178,326.53-$1,836,320.05Retired6.50%4.00%$1,836,320.05
89
1182090-$172,014,646.586.00%-$10,320,878.80$0.002.00%-$182,335,525.38-$1,900,591.25Retired6.50%4.00%$1,900,591.25
90
1192091-$184,236,116.636.00%-$11,054,167.00$0.002.00%-$195,290,283.63-$1,967,111.95Retired6.50%4.00%$1,967,111.95
91
1202092-$197,257,395.586.00%-$11,835,443.73$0.002.00%-$209,092,839.32-$2,035,960.87Retired6.50%4.00%$2,035,960.87
92
1212093-$211,128,800.186.00%-$12,667,728.01$0.002.00%-$223,796,528.19-$2,107,219.50Retired6.50%4.00%$2,107,219.50
93
1222094-$225,903,747.696.00%-$13,554,224.86$0.002.00%-$239,457,972.55-$2,180,972.18Retired6.50%4.00%$2,180,972.18
94
1232095-$241,638,944.736.00%-$14,498,336.68$0.002.00%-$256,137,281.42-$2,257,306.21Retired6.50%4.00%$2,257,306.21
95
1242096-$258,394,587.626.00%-$15,503,675.26$0.002.00%-$273,898,262.88-$2,336,311.92Retired6.50%4.00%$2,336,311.92
96
1252097-$276,234,574.806.00%-$16,574,074.49$0.002.00%-$292,808,649.29-$2,418,082.84Retired6.50%4.00%$2,418,082.84
97
1262098-$295,226,732.136.00%-$17,713,603.93$0.002.00%-$312,940,336.06-$2,502,715.74Retired6.50%4.00%$2,502,715.74
98
1272099-$315,443,051.806.00%-$18,926,583.11$0.002.00%-$334,369,634.90-$2,590,310.79Retired6.50%4.00%$2,590,310.79
99
1282100-$336,959,945.706.00%-$20,217,596.74$0.002.00%-$357,177,542.44-$2,680,971.67Retired6.50%4.00%$2,680,971.67
100
1292101-$359,858,514.116.00%-$21,591,510.85$0.002.00%-$381,450,024.95-$2,774,805.68Retired6.50%4.00%$2,774,805.68
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