Docstoc

LE

Document Sample
LE Powered By Docstoc
					                          FINANCIAL GOALS WORKSHEET
ASSUMPTION: Deposits end in the year before the first withdrawl. All rates are annual. Withdrawls rise with inflation.
LIMITATIONS: Withdrawl period cannot exceed 50 years. Withdrawls cannot begin before deposits.
Note: Blue entires represent data that you can change to reflect your own information & assumptions.

DATA ENTRY AREA:
                                                                                Retirement (in
                                                                                 addition to
What are your goals or reasons for saving?                                       Soc. Sec.)         College

Annual before tax withdrawl amount desired (in today's dollars)?                      $60,000         $50,000

Current starting sum (amount already saved)                                          $150,000                 $0
Current estimated rate of return on your starting sum (spreadsheet assumes
you will continue to invest your starting sum at this rate).                           10.00%            0.00%

Estimated rate of return while you are making deposits                                 10.00%          10.00%
Estimated rate of return while you are making withdrawls                                6.00%           6.00%
Estimated inflation rate (see CPI tab)                                                  3.75%           3.75%

Current age (or year)                                                                        40           2001
Age (or year) when you plan to begin making deposits                                         45           2001
Age (or year) when you plan to take your first withdrawl                                     65           2016
Age (or year) when you plan to take your last withdrawl (see LE tab)                         92           2019
                                           FINANCIAL GOALS WORKSHEET
withdrawl. All rates are annual. Withdrawls rise with inflation.




                                                            Help Parent

                                                                   $6,000

                                                                      $0

                                                                    0.00%

                                                                   10.00%
                                                                    6.00%
                                                                    3.75%

                                                                       60
                                                                       60
                                                                       65
                                                                       92
Consumer Price Index-All Urban Consumers

Series Catalog:              Source Data Link: http://146.142.4.24/cgi-bin/surveymost?cu

Series ID : CUUR0000AA0

Not Seasonally Adjusted
Area : U.S. city average
Item : All items--old base
Base Period : 1967=100

Year Jan   Feb    Mar    Apr    May Jun    Jul   Aug Sep Oct     Nov Dec Ann % Chng
1913 29.4 29.3 29.3 29.4 29.2 29.3 29.6 29.8 29.9 30.1 30.2 30.1 29.7
1914 30.1 29.8 29.7 29.4 29.6 29.8 30.1 30.5 30.6 30.4 30.5 30.4 30.1             1.3%
1915 30.3 30.1 29.8 30.1 30.2 30.3 30.3 30.3 30.4 30.7 30.9              31 30.4  1.0%
1916 31.3 31.3 31.6 31.9           32 32.4 32.4 32.8 33.4 33.8 34.4 34.6 32.7     7.6%
1917     35 35.8      36 37.6 38.4 38.8 38.4        39 39.7 40.4 40.5    41 38.4 17.4%
1918 41.8 42.2        42 42.5 43.3 44.1 45.2        46 47.1 47.9 48.7 49.4 45.1 17.4%
1919 49.5 48.4        49 49.9 50.6 50.7 52.1        53 53.3 54.2 55.5 56.7 51.8 14.9%
1920 57.8 58.5 59.1 60.8 61.8 62.7 62.3 60.7             60 59.7 59.3    58   60 15.8%
1921     57 55.2 54.8 54.1 53.1 52.8 52.9 53.1 52.5 52.4 52.1 51.8 53.6 -10.7%
1922 50.7 50.6        50     50    50 50.1 50.2 49.7 49.8 50.1 50.3 50.5 50.2    -6.3%
1923 50.3 50.2 50.4 50.6 50.7           51 51.5 51.3 51.6 51.7 51.8 51.8 51.1     1.8%
1924 51.7 51.5 51.2          51    51   51 51.1     51 51.2 51.4 51.6 51.7 51.2   0.2%
1925 51.8 51.6 51.7 51.6 51.8 52.4 53.1 53.1 52.9 53.1              54 53.7 52.5  2.5%
1926 53.7 53.5 53.2 53.7 53.4           53 52.5 52.2 52.5 52.7 52.9 52.9      53  1.0%
1927 52.5 52.1 51.8 51.8 52.2 52.7 51.7 51.4 51.7             52 51.9 51.8    52 -1.9%
1928 51.7 51.2 51.2 51.3 51.6 51.2 51.2 51.3 51.7 51.6 51.5 51.3 51.3            -1.3%
1929 51.2 51.1 50.9 50.7           51 51.2 51.7 51.9 51.8 51.8 51.7 51.4 51.3     0.0%
1930 51.2      51 50.7       51 50.7 50.4 49.7 49.4 49.7 49.4       49 48.3   50 -2.5%
1931 47.6 46.9 46.6 46.3 45.8 45.3 45.2 45.1 44.9 44.6 44.1 43.7 45.6            -8.8%
1932 42.8 42.2        42 41.7 41.1 40.8 40.8 40.3 40.1 39.8 39.6 39.2 40.9 -10.3%
1933 38.6      38 37.7 37.6 37.7 38.1 39.2 39.6 39.6 39.6 39.6 39.4 38.8         -5.1%
1934 39.6 39.9 39.9 39.8 39.9           40     40 40.1 40.7 40.4 40.3 40.2 40.1   3.4%
1935 40.8 41.1        41 41.4 41.2 41.1 40.9 40.9 41.1 41.1 41.3 41.4 41.1        2.5%
1936 41.4 41.2        41     41    41 41.4 41.6 41.9     42 41.9 41.9 41.9 41.5   1.0%
1937 42.2 42.3 42.6 42.8           43 43.1 43.3 43.4 43.8 43.6 43.3 43.2      43  3.6%
1938 42.6 42.2 42.2 42.4 42.2 42.2 42.3 42.2 42.2             42 41.9    42 42.2 -1.9%
1939 41.8 41.6 41.5 41.4 41.4 41.4 41.4 41.4 42.2             42    42 41.8 41.6 -1.4%
1940 41.7      42 41.9 41.9        42 42.1     42 41.9   42   42    42 42.2   42  1.0%
1941 42.2 42.2 42.4 42.8 43.1 43.9 44.1 44.5 45.3 45.8 46.2 46.3 44.1             5.0%
1942 46.9 47.3 47.9 48.2 48.7 48.8             49 49.3 49.4 49.9 50.2 50.6 48.8 10.7%
1943 50.6 50.7 51.5 52.1 52.5 52.4             52 51.8   52 52.2 52.1 52.2 51.8   6.1%
1944 52.1      52     52 52.3 52.5 52.6 52.9 53.1 53.1 53.1 53.1 53.3 52.7        1.7%
1945 53.3 53.2 53.2 53.3 53.7 54.2 54.3 54.3 54.1 54.1 54.3 54.5 53.9             2.3%
1946 54.5 54.3 54.7          55 55.3 55.9 59.2 60.5 61.2 62.4 63.9 64.4 58.5      8.5%
1947 64.4 64.3 65.7 65.7 65.5           66 66.6 67.3 68.9 68.9 69.3 70.2 66.9 14.4%
1948     71 70.4 70.2 71.2 71.7 72.2 73.1 73.4 73.4 73.1 72.6 72.1 72.1           7.8%
1949     72 71.2 71.4 71.5 71.4 71.5           71 71.2 71.5 71.1 71.2 70.8 71.4  -1.0%
1950 70.5 70.3 70.6 70.7           71 71.4 72.1 72.7 73.2 73.6 73.9 74.9 72.1     1.0%
1951 76.1      77 77.3 77.4 77.7 77.6 77.7 77.7 78.2 78.6           79 79.3 77.8  7.9%
1952    79.3    78.8    78.8    79.1    79.2    79.4      80    80.1      80    80.1    80.1      80    79.5    2.2%
1953    79.8    79.4    79.6    79.7    79.9    80.2    80.4    80.6    80.7    80.9    80.6    80.5    80.1    0.8%
1954    80.7    80.6    80.5    80.3    80.6    80.7    80.7    80.6    80.4    80.2    80.3    80.1    80.5    0.5%
1955    80.1    80.1    80.1    80.1    80.1    80.1    80.4    80.2    80.5    80.5    80.6    80.4    80.2   -0.4%
1956    80.3    80.3    80.4    80.5    80.9    81.4      82    81.9      82    82.5    82.5    82.7    81.4    1.5%
1957    82.8    83.1    83.3    83.6    83.8    84.3    84.7    84.8    84.9    84.9    85.2    85.2    84.3    3.6%
1958    85.7    85.8    86.4    86.6    86.6    86.7    86.8    86.7    86.7    86.7    86.8    86.7    86.6    2.7%
1959    86.8    86.7    86.7    86.8    86.9    87.3    87.5    87.4    87.7      88      88      88    87.3    0.8%
1960    87.9      88      88    88.5    88.5    88.7    88.7    88.7    88.8    89.2    89.3    89.3    88.7    1.6%
1961    89.3    89.3    89.3    89.3    89.3    89.4    89.8    89.7    89.9    89.9    89.9    89.9    89.6    1.0%
1962    89.9    90.1    90.3    90.5    90.5    90.5    90.7    90.7    91.2    91.1    91.1      91    90.6    1.1%
1963    91.1    91.2    91.3    91.3    91.3    91.7    92.1    92.1    92.1    92.2    92.3    92.5    91.7    1.2%
1964    92.6    92.5    92.6    92.7    92.7    92.9    93.1      93    93.2    93.3    93.5    93.6    92.9    1.3%
1965    93.6    93.6    93.7      94    94.2    94.7    94.8    94.6    94.8    94.9    95.1    95.4    94.5    1.7%
1966    95.4      96    96.3    96.7    96.8    97.1    97.4    97.9    98.1    98.5    98.5    98.6    97.2    2.9%
1967    98.6    98.7    98.9    99.1    99.4    99.7   100.2   100.5   100.7     101   101.3   101.6     100    2.9%
1968     102   102.3   102.8   103.1   103.4     104   104.5   104.8   105.1   105.7   106.1   106.4   104.2    4.2%
1969   106.7   107.1     108   108.7     109   109.7   110.2   110.7   111.2   111.6   112.2   112.9   109.8    5.4%
1970   113.3   113.9   114.5   115.2   115.7   116.3   116.7   116.9   117.5   118.1   118.5   119.1   116.3    5.9%
1971   119.2   119.4   119.8   120.2   120.8   121.5   121.8   122.1   122.2   122.4   122.6   123.1   121.3    4.3%
1972   123.2   123.8     124   124.3   124.7     125   125.5   125.7   126.2   126.6   126.9   127.3   125.3    3.3%
1973   127.7   128.6   129.8   130.7   131.5   132.4   132.7   135.1   135.5   136.6   137.6   138.5   133.1    6.2%
1974   139.7   141.5   143.1   143.9   145.5   146.9     148   149.9   151.7     153   154.3   155.4   147.7   11.0%
1975   156.1   157.2   157.8   158.6   159.3   160.6   162.3   162.8   163.6   164.6   165.6   166.3   161.2    9.1%
1976   166.7   167.1   167.5   168.2   169.2   170.1   171.1   171.9   172.6   173.3   173.8   174.3   170.5    5.8%
1977   175.3   177.1   178.2   179.6   180.6   181.8   182.6   183.3     184   184.5   185.4   186.1   181.5    6.5%
1978   187.2   188.4   189.8   191.5   193.3   195.3   196.7   197.8   199.3   200.9     202   202.9   195.4    7.7%
1979   204.7   207.1   209.1   211.5   214.1   216.6   218.9   221.1   223.4   225.4   227.5   229.9   217.4   11.3%
1980   233.2   236.4   239.8   242.5   244.9   247.6   247.8   249.4   251.7   253.9   256.2   258.4   246.8   13.5%
1981   260.5   263.2   265.1   266.8     269   271.3   274.4   276.5   279.3   279.9   280.7   281.5   272.4   10.4%
1982   282.5   283.4   283.1   284.3   287.1   290.6   292.2   292.8   293.3   294.1   293.6   292.4   289.1    6.1%
1983   293.1   293.2   293.4   295.5   297.1   298.1   299.3   300.3   301.8   302.6   303.1   303.5   298.4    3.2%
1984   305.2   306.6   307.3   308.8   309.7   310.7   311.7     313   314.5   315.3   315.3   315.5   311.1    4.3%
1985   316.1   317.4   318.8   320.1   321.3   322.3   322.8   323.5   324.5   325.5   326.6   327.4   322.2    3.6%
1986   328.4   327.5     326   325.3   326.3   327.9     328   328.6   330.2   330.5   330.8   331.1   328.4    1.9%
1987   333.1   334.4   335.9   337.7   338.7   340.1   340.8   342.7   344.4   345.3   345.8   345.7   340.4    3.7%
1988   346.7   347.4     349   350.8     352   353.5   354.9   356.6   358.9   360.1   360.5   360.9   354.3    4.1%
1989   362.7   364.1   366.2   368.8   370.8   371.7   372.7   373.1   374.6   376.2     377   377.6   371.3    4.8%
1990   381.5   383.3   385.5   386.2   386.9   389.1   390.7   394.1   397.5     400   400.7   400.9   391.4    5.4%
1991   403.1   403.8   404.3   405.1   406.3   407.3     408   409.2   411.1   411.5   412.7     413     408    4.2%
1992   413.8   415.2   417.2   417.9   418.6   419.9   420.8     422   423.2   424.7   425.3   425.2   420.3    3.0%
1993     427   428.7   430.1   431.2     432   432.4   432.6   433.9   434.7   436.4   436.9   436.8   432.7    3.0%
1994   437.8   439.3   441.1   441.4   441.9   443.3   444.4   446.4   447.5     448   448.6   448.4     444    2.6%
1995   450.3     452   453.5     455   455.8   456.7     457     458     459   460.3   460.1   459.9   456.5    2.8%
1996   462.5   464.2   466.5   468.2     469   469.5   470.4   471.1   472.7   474.1     475     475   469.9    2.9%
1997   476.7   478.2   479.3   479.7   479.6   480.2   480.7   481.6     483   484.1   483.9   483.2   480.8    2.3%
1998   484.2   484.9   485.8   486.8   487.7   488.2   488.8   489.6   490.1   491.3   491.3     491   488.3    1.6%
1999   492.3   492.9   494.4   497.8   497.7   497.9   499.2   500.7   502.9   503.9   504.1   504.1     499    2.2%
2000   505.8   508.7   512.8   513.2   513.6   516.5   517.5   517.6   520.3   521.2   521.5   521.1   515.8    3.4%
2001   524.5

 'To determine the average annual percent change between a period of years: Take end-year's factor, divided
 by the start-year's factor, raised to the 1/x power where x is the number of years between between the end-
'To determine the average annual percent change between a period of years: Take end-year's factor, divided
by the start-year's factor, raised to the 1/x power where x is the number of years between between the end-
year and start-year.

Example between 1990 and 2000:

Start Year Factor (1990) = 391.4
End Year Factor (2000) 515.8
Formula: ( 515.8 / 391.4 ) ^ ( 1 / 10 years ) = 1.027983 (or 2.8% average inflation)
Life Expectancy Table Page
Data Under Construction

				
DOCUMENT INFO
Shared By:
Categories:
Tags:
Stats:
views:2
posted:10/15/2011
language:English
pages:6