Pralana Gold or Pralana Online?

[rembrandt]

Panama Gold?

 

[Exchme]

Midpack:
Below is the screen where I set the flavors of dividends. Pralana puts non-qualified dividends (ordinary minus qualified) into the "Taxed as Interest" so it will be taxed as ordinary income. Does that help?

As for inputting dividends directly, that's a possibility the developers could have chosen. If you input last year's dividend values, you also would have to provide a balance that that was based on and hopefully you didn't change investments as that might mess the whole thing up.

I started with the bogleheads' RPM model and it wanted something very similar (although it wanted Ordinary dividends and Qualified dividends), so it never bothered me to do it Pralana's way, but looking at their forum, it does seem to confuse lots of folks, so you may be right that they need a more intuitive way to do it.

 

[PaunchyPirate]

I decided to give Pralana Online a try this weekend and signed up for a year's subscription. I like what I see so far after tinkering with it today. In January, I did the 14-day free trial of Boldin and decided to not pony up for a full year's subscription. I think I made the right choice with Pralana, albeit I'm saying this with only a short time with each product.

I don't think either product will radically change how I manage my finances. However, it's nice to have additional validation that my plan appears to be working and looks to be good for my duration on this earth (unless a doomsday of some sort happens).

Using all the default assumptions on returns and inflation, my "plan" seems to work with 100% confidence whether I die at age 90 or age 100. Over time, I'll build out a more detailed plan that is better tailored to my actual investment accounts.

I think it's $119 well spent. I'm not sure I'll pay the $89 for future years, but we will see.