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					Personal
Name:                                         Joe Person
Current Age:                                                  35
Target Retirement Age:                                        65

Contributions
Yearly Salary:                                           $50,000
401k Contributions Per Year:                             $10,000
Company Matching 401k Rate:                                  50%
Company Matching Max/Year (Dollars):                      $4,000

Investment Variables
Pre-Retirement Rate of Return:                               7%
Retirement Rate of Return:                                   7%
Pre-Retirement Tax Rate (Fed+State):                        25%
Retirement Tax Rate (Fed+State):                            15%

Pre-Tax Projections
Company Match Per Year:                                  $4,000
Net Investment Per Year:                               $14,000
Net Worth at Retirement:                          $1,322,451.01
Yearly Earnings after Retirement:                    $92,571.57
Monthly Earnings after Retirement:                    $7,714.30
Monthly Earnings after Taxes:                         $6,557.15

ROTH Projections
Effective Yearly ROTH Contribution:                   $7,500.00
Net ROTH Investment Per Year:                            $7,500
Net Worth of ROTH at Retirement:                    $708,455.90
Yearly ROTH Earnings after Retirement:               $49,591.91
Monthly ROTH Earnings after Taxes:                    $4,132.66
Company Pre-Tax Match Per Year:                          $3,750
Pre-Tax Investment Per Year:                          $3,750.00
Net Worth of Pre-Tax at Retirement                  $354,227.95
Yearly Pre-Tax Earnings after Retirement:            $24,795.96
Monthly Pre-Tax Earnings after Retirement:            $2,066.33
Monthly Pre-Tax Earnings after Taxes:                 $1,756.38
Monthly Earnings after Taxes:                         $5,889.04

Assumptions:
Yearly Compounding
Payments/Contributions made at end of each fiscal year
ROTH model assumes that match is made on Pre-Tax basis
                    Monthly Retirement Income
$7,000.00
$6,000.00             $6,557.15
                                                            $5,889.04
$5,000.00
$4,000.00
$3,000.00
$2,000.00
$1,000.00
   $0.00
                  Pre-Tax Investment                     ROTH Investment




            Roth Investment Breakdown



                                       ROTH Earnings
                                       Pre-Tax (Match) Earnings
   $5,889.04




ROTH Investment

				
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posted:7/19/2011
language:English
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