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spartanag07

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tT
发表于 2013-4-8 14:41 | 只看该作者

IPS - Time Horizon

growth, stages, taking
Question:
John is 30 retiring at 60 (Life expectancy 90)
at 50 taking care of parents for 10 years.
Time Horizon is
A. Multi Stage
-3 stages; one 30 to 50, two 50-60, three 60-90 (two in pre retirement and one in retirement)
OR
b. Two stages
Retirement and Pre retirement???
Also if bequest/trust growth third stage of post retirement???
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BC_MBA_student

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2#
发表于 2013-4-8 14:42 | 只看该作者
The sense I get is that it’s acceptable to divide further into sort of “sub stages” (ie 3 stages as in your example) if there is a material change that would cause a revisit to the IPS. But I *always* have issues with this too.

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Siddimaula

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3#
发表于 2013-4-8 14:42 | 只看该作者
I would say A but I guess it would depend on what “taking care of parents” meant. Are they moving in with the guy (nothing much changes) or is he sending them $100K per year (big change)? I typically split time horizons where large changes in cash flow (in or out) occur.

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mfleming1983

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4#
发表于 2013-4-8 14:42 | 只看该作者
i say multi stage 3 in total, 4 if there is a bequest/estate commitment,

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Zestt

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5#
发表于 2013-4-8 14:43 | 只看该作者
I would go for 3 because you have different spending needs

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dontknow1987

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6#
发表于 2013-4-8 14:43 | 只看该作者
Three to be safe, but it is dependent on the PORTFOLIO IMPLICATIONS of looking after the parents. If looking after parents will not impact portfolio, then two.

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