Show HN: Investment Calculator – A simple retirement calculator

Re:Show HN: Investment Calculator – A simple retirement calc... by teej on Tuesday March 06, 2018 @02:59PM (#16531567)

I think you forgot to click the “inflation adjusted” checkbox. The real rate of return is closer to ~7%. Also caveat emptor - past performance is no guarantee of future results.

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Re:Show HN: Investment Calculator – A simple retirement calc... by jonknee on Tuesday March 06, 2018 @03:21PM (#16531773)

But the calculator you're criticizing does not adjust for inflation...

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Re:Show HN: Investment Calculator – A simple retirement calc... by stochastastic on Tuesday March 06, 2018 @03:53PM (#16532024)

I think that’s the point. A projected savings balance is misleading without considering inflation, so if the calculator doesn’t make an explicit adjustment for it then there ought to be an implicit adjustment in the rate of return assumption.

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Re:Show HN: Investment Calculator – A simple retirement calc... by Spooky23 on Tuesday March 06, 2018 @11:01PM (#16534163)

Says who?

Projecting historically low inflation is no less reckless than ignoring it. Imo, you're better off looking at absolute returns and tweaking your expectations based in inflation as itnhaopens.

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