The Retirement Calculator Excel Spreadsheet is only available to MA$ course paid members only. If you would like to know how to become a member, please visit this page.

The Retirement Calculator Excel Spreadsheet is only available to MA$ course paid members only. If you would like to know how to become a member, please visit this page.

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susan ho ho

May 2, 2013Hi KC,

Can you explain what is the different of Capital Utilization and Capital Preservation?

susan

May 2, 2013Hi KC,

I want to have a soft copy of Excel Retirement Calculator, I m joint MAS in end of Dec 2012, its is already expired?

KCLau

May 2, 2013@Susan, you just need to login on the right sidebar at the top in order to see the download link.

About your question

Capital Utilization means that the retirement fund you saved, will be depleted over time.

Capital Preservation means that you only spend the return earned from the entire retirement fund during retirement. Your fund will still be intact.

Phyllis

May 2, 2012Hi, KC,

Sorry, i got it from the video clips already. Thanks.

Phyllis

May 2, 2012Hi, KC,

What’s the definition and difference of capital utilization and capital preservation?

Michael Tsen

July 24, 2011I made a few changes

. on EPF Calc, # of years to save = 55 – current age @ [Retirement]K4

. delete all the contributions that may not happen in Column C & D, I may not get the job forever but my EPF will continue to grow.

. in [Retirement], KWSP[K29] =MAX(‘EPF Calculator’!E14:E57)

. in [Mini Retirement] I add some guideline figures, one above Lump Sum, =PV(G31/12,K8,,-K25) and one above Monthly =PMT(I31/12,K8,0,-K25). These will auto show me how much I need to save every month in order to acheive my goal etc.

EPF has the age 55 limitation, I tried to retire at age 50 but much more work is needed in this formula, ie. I can’t count on EPF until age 55 ( or 60 ), so I need some minimum saving to last until I can withdraw EPF etc. It seems like a lot of work is needed so i didn’t change for that, for now I assume this tool is good for standard age 55 retirement analysis.

. in [Retirement], I added some similar guideline figures

=PV(G52,K8,0,-K44) above Lump Sum

=PMT(I52/12,K8*12,0,-K44) above Monthly

you can also create 2 more to show for Capital Preservation but that didn’t much to me. Whatever figures I get from Capital Preservation, my job is just to save MORE than that.

KCLau

July 24, 2011It’s great that you can customize the spreadsheet to suit your own needs.

Michael Tsen

July 24, 2011Hi KC, sorry I am a bit slow. What is inflation adjust return rate ?

KCLau

July 25, 2011Inflation adjusted return rate is the real return rate that takes inflation into the calculation. Inflation-adjusted return reveals the return on an investment after removing the effects of inflation.

Removing the effects of inflation from the return of an investment allows the investor to see the true earning potential of the security, without external economic forces. For example, say an investor held a bond that returned 4% over one year. Examining only the return shows that this bond earned a positive income. However, if inflation for the year was 5%, the real rate of return on the bond becomes -1%.

Michael Tsen

July 26, 2011Thank you KC, now I understand 5-4=1. But how about the formula used in the spreadsheet ? I think it is something like 5 – 4 => 0.9xx ?

KCLau

July 28, 2011The precise formula is not 5-4 =1

but that is near the real thing.

See this link for the formula

http://www.investopedia.com/terms/i/inflation_adjusted_return.asp

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