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Retirement Savings Assessment











This analysis is provided courtesy of VLP Financial Advisors
VLP Financial Advisors
8391 Old Courthouse Road, Ste 203
Ste 203
Vienna, VA 22182
http://vlpfa.com
703-356-4360 |




At VLP Financial Advisors, we provide sound financial solutions for individuals, families, and business owners to properly position, help protect, leverage, and transfer wealth. We provide sophisticated investment solutions based on the specific needs, goals, and circumstances of each client. We approach each client from a holistic and personal perspective starting with a custom financial plan.

Retirement Savings

Years until retirement:

years

Current nest egg value :

$

Current wages:

$

Expected annual contribution:

%

Expected rate on contribution increase:

%

Broad Asset Allocation


%
%
%

Detailed Stock Allocation


%
%
%

Expected rate of return on bonds:

%

Expected rate of return on cash

%

Total expected investment expenses:

%

SAVINGS APPLICATION RESULTS SUMMARY

Nest Egg Guru believes providing a range of results is more realistic and instructive than generating a single “magic number” projection. Since the best and worst simulations represent unlikely extremes, users may do well to consider the results that lie between the 50% (median) and 1% result values. Essentially, this range is intended to provide a reasonable estimate of where the user’s retirement nest egg value may fall in the event that future returns turn out to be less robust than the historical norm. This is consistent with Nest Egg Guru’s belief that people should approach retirement planning from the perspective of “hope for the best, but prepare for the worst”. Users are also encouraged to explore how changing different input values may affect their results.

Based upon an initial contribution rate of  of wages and an expected contribution increase rate of %, your total contributions to your retirement nest egg are projected to be:

$

This is the total projected amount you will contribute from wages from now until you retire.

In the top 20% of the simulation results (80th percentile), your retirement nest egg in  years grew to:

$

In the median (50th percentile) result, the value of your retirement nest egg in  years grew to:

$

In the worst of the 5,000 simulations, the value of your retirement nest egg after  years was only:

$

Complete Simulation Results - Projected Nest Egg Values at Retirement

Because Nest Egg Guru understands that people absorb and interpret information in varying ways, the complete simulation results are presented in two different graphical formats and in table form. The dollar amounts represent the nest egg values at each of the illustrated simulation percentiles.

Please scroll left and right to view all data.

Please scroll left and right to view all data.

Please scroll left and right to view all data.

Please scroll left and right to view all data.

Please scroll left and right to view all data.

Please scroll left and right to view all data.

IMPORTANT DISCLOSURES:
The simulation results produced by Nest Egg Guru’s calculators are hypothetical in nature, do not reflect actual investment results, and provide no assurance of future returns. Instead, these calculators are intended as educational tools to help users generally assess their retirement planning preparedness and to help them understand how changing the various inputs that are within their control may impact the results. While Nest Egg Guru believes the information presented may be instructive in helping users plan for retirement, it is important to understand that no calculator is a crystal ball and that the calculators are not intended to predict future returns.

Similarly, it is important to understand the limitations of this or any other retirement calculator application. First, while considerable thought has gone into designing portfolio models that realistically represent individual investor experiences, the degree to which the index models used in Nest Egg Guru differ from the actual users' portfolios may affect the applicability of the results. Second, the choice of indices and the time periods from which the monthly index return data were sampled may have a significant effect on the outcomes and might produce different results if different indices and/or time periods were chosen. Third, because Nest Egg Guru's results are derived from random sampling of historical monthly returns data, there is an underlying assumption that future returns will at least be somewhat similar to what they have been in the recent past. Fourth, users should be aware that, as with all simulation-based calculators, results may vary from one simulation to the next and over time. Lastly, while Nest Egg Guru believes the methodology chosen in this calculator has certain advantages, other calculators using different methodologies may produce different results.

The 5,000 simulation results presented herein were produced using a sampling methodology called “bootstrapping”. The simulations were generated from monthly equity index return data from 1970-2013. The S&P 500 Index is employed as the proxy for large cap U.S. Stocks, international stocks are represented by the MSCI EAFE Index, and small and mid-cap stocks are represented by the Russell 2000 Index. Nest Egg Guru also holds monthly index data for the Merrill Lynch U.S. Corporate Bond Index, 10-year treasuries, and one year treasuries. However, as noted on the inputs page, the option to include these indices has been intentionally suppressed in the current low interest rate environment.

The Nest Egg Guru calculators are made available to you as educational tools for your independent use and are not intended as a substitute for professional retirement planning guidance or advice. While it is hoped that these tools help you identify important factors to consider in planning your retirement, for specific portfolio guidance, users are encouraged to consult with a trusted financial planning professional.