I reported this in March 2010. It seems the issue has never been fixed nor completely understood. I do not trust black boxes and if the spreadsheet is "Garbage Out" and not representative of what is really going on under the hood, I do not trust the FIREcalc product.
If you are a FIDO customer, via a 401k, IRA, or commercial account.I have switched to Fidelity Retirement Income Planner which I find a much better product (and free).
If you are a FIDO customer, via a 401k, IRA, or commercial account.
Interesting. It wasen't that way when I started using it about a decade ago.Not so.
I just tried it without logging in, and you can use if you become a "Fidelity Member Lite", which is different to being a customer. I just registered as a member under a different name and have full access to the Retirement Income Planner.
Interesting. It wasen't that way when I started using it about a decade ago.
However, can you use Full View as input?
If you are a FIDO customer, via a 401k, IRA, or commercial account.
Yes. It looks just the same as when I use it. (I've also used it for as long as its been around).
No, that's the budget main (single/detail input) screen.Yes. It looks just the same as when I use it. (I've also used it for as long as its been around).
That would make sense. If you had a cash account at FIDO (such as an IMA account, as I use as a taxable MM holding), you could add external accounts from whatever non-FIDO accounts you maintain.However, last time I checked you do have to have an account to use FullView. The rep told me I could open an account with $0.01.
No, that's the budget main (single/detail input) screen.
Full view is the product (actually, it's Yodlee under the cover) that takes all accounts (both you and spouse, if you wish) from whatever vendor (e.g. FIDO, VG, etc.) and passes the data to Morningstar to get your holdings actual breakdown based upon current M* holding information that they maintain.
That is ported directly to RIP, by running (refreshing) FV first and then running RIP.
For me, the FV -> M* -> RIP is very important, rather than just plugging in "guesstimates" for actual holdings.
We really should get a answer to this. FIRECALC has too much potential, and is too widely used to have this unknown hanging over it.
As I say in that thread, I think (but cannot know) that the spreadsheet is a separate output, and any errors may or may not indicate errors in FIRECALC itself.
And I'll repeat this line:
Maybe this code needs to be 'open sourced'?
-ERD50
Clearly not a company man.However, last time I checked you do have to have an account to use FullView. The rep told me I could open an account with $0.01.
The only way to adjust future spending at age 70/75/80 in the Fidelity tools was to add a fake annuity starting at those years to cover 15% of expenses. Kind of a kludgey way to do it.