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Retirement Planning Project By: The and Sugar

Retirement Planning Project By: The and Sugar. Meet Nick Peterson Current Age36 Current after-tax salary$ 120,000 Current investment portfolio $ 60,000

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Page 1: Retirement Planning Project By: The and Sugar. Meet Nick Peterson Current Age36 Current after-tax salary$ 120,000 Current investment portfolio $ 60,000

Retirement Planning Project

By: The and Sugar

Page 2: Retirement Planning Project By: The and Sugar. Meet Nick Peterson Current Age36 Current after-tax salary$ 120,000 Current investment portfolio $ 60,000

Meet Nick Peterson

Current Age 36 Current after-tax salary $ 120,000 Current investment

portfolio$ 60,000

Current annual savings $ 12,000 Desired retirement age 66 Desired replacement

ratio80%

Projected Social Security Income

$ 2,470 monthly

Assumed inflation rate 3.0% Assumed investment

return7.0%

Targeted estate at death No stated goal Longevity Assumption Assume age 86

Page 3: Retirement Planning Project By: The and Sugar. Meet Nick Peterson Current Age36 Current after-tax salary$ 120,000 Current investment portfolio $ 60,000

Current Scenario

Solutions to Deficit

Increase savings rate from 10% to 11% annually

Delay retirement to age 67 (1 extra year)

Surplus will be $8,646.73

Page 4: Retirement Planning Project By: The and Sugar. Meet Nick Peterson Current Age36 Current after-tax salary$ 120,000 Current investment portfolio $ 60,000

Inflation Increase from 3% to 4%

Solutions to Deficit

Increase annual savings percentage to 12% from 10%.

Invest more aggressively in order to attain an 8% investment return rather than 7%.

Page 5: Retirement Planning Project By: The and Sugar. Meet Nick Peterson Current Age36 Current after-tax salary$ 120,000 Current investment portfolio $ 60,000

Promotion: $150,000 from $120,000

Solution to Deficit:

Retire 1 year earlier

Reduce Replacement Ratio from 80% to 64%.

Page 6: Retirement Planning Project By: The and Sugar. Meet Nick Peterson Current Age36 Current after-tax salary$ 120,000 Current investment portfolio $ 60,000

Gambling Problems:Withdrew $40,000 from Current Investments

Solution to Deficit:

Delay retirement from age 66 to age 69.

Decrease replacement ratio by 5% from 80% to 75%.

Page 7: Retirement Planning Project By: The and Sugar. Meet Nick Peterson Current Age36 Current after-tax salary$ 120,000 Current investment portfolio $ 60,000

SSI Cut in Half

Solution to Deficit

Delay retirement age 2 years.

Increase annual savings 2%

Decrease Replacement ratio 5%.

Page 8: Retirement Planning Project By: The and Sugar. Meet Nick Peterson Current Age36 Current after-tax salary$ 120,000 Current investment portfolio $ 60,000

Shock City:Inflation decrease 2%Life expectancy increaseEarly Retirement

Solution to Deficit:

Increase Annual Saving by 4%.

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