RBS 102: Maxifi Retirement Planner Review

The Rob Berger Show

Rob Berger에서 제공하는 콘텐츠입니다. 에피소드, 그래픽, 팟캐스트 설명을 포함한 모든 팟캐스트 콘텐츠는 Rob Berger 또는 해당 팟캐스트 플랫폼 파트너가 직접 업로드하고 제공합니다. 누군가가 귀하의 허락 없이 귀하의 저작물을 사용하고 있다고 생각되는 경우 여기에 설명된 절차를 따르실 수 있습니다 https://ko.player.fm/legal.

1y ago 23:03

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Maxifi is retirement planning software designed by Boston University professor Larry Kotlikoff. I've spent several days trying out the software, and this video is my review of the tool.
There are several things I like about the tool. Data entry is easy. It doesn't require input of detailed investments or even a budget. Beyond housing, it asks for no spending details. Instead, it provides you with how much the tool calculates you can spend each year in retirement.
Its social security tool is also robust. For example, you can upload your earnings history from SSA, which the tool uses to calculate your best claiming strategy.
That said, Maxifi is not a tool I can recommend or plan to use. Its spending calculations do not account for the sequence of returns risk. It uses very conservative default settings, without explaining the consequences of these assumptions. And I found the tool overall not very transparent when it comes to understanding how the calculations were performed or how the various assumptions affect the results.
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