Happy new year from ETFMathGuy! In this post, we will provide some updates to our plans for 2022.
New Priorities
As 2022 begins, we decided to reset our priorities for this website. Up until now, we provided the following services to our subscribers.
- Free and Premium ETF portfolios, updated monthly
- A retirement calculator that plans for tax efficient asset decumulation in retirement
- Periodic commentatry on ETFs, taxes, the economy, cryptocurrency, etc.
- A daily monitor of stock market volaitlity
For 2022, we’ve decided that the cost to produce and maintain the free and premium portfolios was simply too high. We also recognized that, while these portfolios did exceed their objective in 2020, they did not in 2021. All premium subscribers will receive a pro-rated refund of their subscription payments shortly. In the meantime, free and premium subscribers can now access the final monthly portfolios, based on data through December 31, 2021.
Coming soon
So, after receiving very positive praise on our retirement calculator, we’ve decided to make improving it a priority. Also, thanks to significant feedback from individual investors and financial services professionals, below is a list of features we hope to provide in the near future:
- Projection of retirement assets at beginning of retirement for pre-retiree planning
- Optimized social security starting age for single or married couples
- Medicare Income-Related Monthly Adjustment Amount (IRMAA) tax
- State taxes, as applicable
- 3.8% medicare surtax
- Roth conversions using either IRA or taxable account funds
- Robustness checks with an automated sensitivity analysis for selectable uncertain variables
- Risk assessment with simulation of uncertain stock market returns, life exptancy, after-tax income needs, and others
- Real estate income and residual value
- Support for Financial Independence, Retiree Early (FIRE)
- Online storage of previous results for future reference
Of course, our retirement calculator already has many features discussed in the FAQ and listed at the top of the calculator. Also, if you are interested in greater details, you are welcome to download this whitepaper that we developed recently to describe the current model in greater depth.
We hope you have a wonderful 2022!
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