TIP$TER projects the safe, sustainable retirement budget that a tax-deferred portfolio fully invested in Treasury Invested Protected Securities (TIPS) would support. Then, it projects and compares the volatile range of retirement budgets that a diversified portfolio would support.
About the Author

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Eric Cernyar    Greetings. I am Eric Cernyar. As a self-employed intellectual property attorney (see http://www.cernyar.com), I have to save and plan for my own financial security.  Although I cannot afford to retire – and have way too active a mind to ever retire – I am secure enough to live and work at 9500 feet in the mountains of Colorado.  Life is beautiful.  And worth living.  Especially here.

    Like me, you probably don't find making investment and asset allocation decisions easy - particularly given the wild gyrations of the stock market. You want to base those decisions on good information and robust analysis. You want to know what you can reasonably expect from a well-diversified portfolio of stocks going forward, regardless of the market's past performance. You would like a robust, rational justification for those expectations. You also want to understand the relative risks and rewards of stocks to a safer alternative, like Treasury Inflation Protected Treasuries ("TIPS").

    Not only that, how much do you need to accumulate to be secure enough to live and work (or maybe – if for some reason you don't like work – to retire) in the mountains of Colorado or some other wonderful place? And when you do make that life change, how much can you plan on withdrawing from your diversified portfolio - whose value will fluctuate with the gyrations of the stock market - without outliving it?

    TIP$TER projects how much I need to save, the level of expenditures my present and future savings should be able to sustain, and the potential risks and rewards of a diversified, passively managed portfolio as compared to a super-safe, all-TIPS portfolio.

    Developing and coding TIP$TER was a fun, mathematically-intensive challenge. I drew upon my earlier engineering experience, at the National Institute of Standards and Technology, developing Monte Carlo simulations to model high-voltage electrical breakdown discharge patterns.

    The TIP$TER user manual and other TIP$TER documentation illustrates the technical, communication and legal skills with which I serve my intellectual property clients. Learn about my qualifications at http://www.cernyar.com.

    If TIP$TER helps you obtain a more secure and satisfying life, please express your appreciation by blessing others.