Retirement Planning Excel Sheet

I apologize for the small image and the late post but I have a small treat today.  I've uploaded a link in this post below if you are interested in downloading it and playing around with the spreadsheet. This is a simple little excel model I created to project one way of how to plan for retirement.  I'll quickly talk about how to think about this tool and how to use it.

What's Your Allocation?

Studies have shown that a very large driver of variation in returns for portfolios is derived from different asset allocations.  Focusing on having the right asset allocation can help improve your returns on investment over time and is a more reliable driver of returns than either stock picking or market timing.  There is often much debate over any "ideal" asset allocation as it differs among individuals.  I'll just go over some of the general themes and rules of thumb on how to think about asset allocation.