DISCLAIMER
These spreadsheet models are provided without any express or implied warranties whatsoever. They do not represent legal, tax, investment, insurance, financial or accounting advice. If such advice is required, the appropriate professional should be consulted. The spreadsheet models may not be suitable for every individual and are not guaranteed or warranted to produce any particular results. Additionally, no warranty is made regarding the accuracy or completeness of the content, and the user must assume the entire risk of acting on anything therein.
You will need a program (see list) that can read the OpenDocument Spreadsheet format. I use LibreOffice. These spreadsheets do not contain macros.
The articles referenced below were published by the National Association of Personal Financial Advisors, but I’m not a financial advisor.
401kexp.ods – developed for Looking at Expenses of 401K Plans. The 2004 version can use different tax rates for dividends and find the breakeven 401k expense rate assuming a rollover IRA after a specified number of years.
buy-rent.ods – after I wrote Should You Buy or Rent Your Home?, Beth Kobliner asked me to develop a Buy vs. Rent model for her bestseller, Get a Financial Life. It’s easy to enter the parameters affecting the analysis, including changing tax rates. Unlike most calculators, you can view the annual cash flows and underlying formulas.
annuity.ods – developed for Index Funds and Variable Annuities.
