NOTE- your must input a retirement plan in Retirement Analysis

prior to making use of Retirement Options Calculator

see- build a retirement plan in 5 minutes - http://moneydecoder.com/help/index.php?article=5

Click onto the Assets Page and then click the “Options” button on the right.

- See “NOTES” at bottom for explanation of discrepancies and assumptions used.

Money Decoder’s Retirement Options performs 3 valuable benefits for you:

1. Makes Complex Calculations into simple and easy to understand.
2. Offers hypothetical Options for Retirement Ages, Income and Contributions:
   1. Based on all of YOUR present, existing accounts
   2. Without interrupting input & changing amounts on your present accounts -this way you don’t make accidental changes that affect your existing plan.
3. Helps Fine Tune Your personal retirement plan:
   1. In ways that are most meaningful to you
   2. So you can quickly make goals and fine-tune your present thoughts and plans without having to play trial and error all day long.

Here are the basic modules available in the Retirement Options Calculator:

1. Change your retirement age and MONEY DECODER will tell you:
   1. What will be your new estimated retirement income based on your new retirement age?
   2. How much do you need to contribute on a monthly basis to keep the same retirement income at the new age?
2. Change your retirement income needs (from your retirement assets) and find out:
   1. What age can you retire based on your new retirement income amount?
   2. How much do you need to contribute on a monthly basis to retire at the new income, but at the same age as before?
3. Change your Monthly Retirement Additions/Contributions and MONEYDECODER tells you:
   1. What age you can now retire, based on the same retirement income?
   2. What will your income be at that age based on the change in present monthly retirement additions/contributions?
4. Add a lump sum amount (trust fund, inheritance, pension pay-out, sale of a home, etc.) and MONEY DECODER will calculate for you:
   1. How that lump sum investment will change your total income based on your present investing and retirement scenarios.

NOTE: In order to perform some of these calculations MONEY DECODER uses weighted averages and blended investment rates which are calculated from YOUR input for estimated interest rates, present account values, monthly contributions, inflation expectations, retirement age, etc.  You may notice some small discrepancies in figures because as asset allocation percentages change through time, it is otherwise impossible to calculate exact amounts from month to month and year to year.  Therefore, be aware that these numbers are based on closest estimates and should be utilized for illustrative, or “best-guess” purposes.