TIP$TER's Signature Distinguishing Features

Constructs a "risk-free" baseline portfolio based on TIPS

• Fast, intuitive, and powerful TIPS-based financial planner

• Simulated outcomes of a mixed portfolio are projected against this baseline

Encourages sound fundamental thinking about future returns

• All inputs and outputs are inflation-adjusted

• Encourages thinking about the expected "equity risk premium"

• Asks for annualized – rather than arithmetic average – expected return rates

Uses transparent, realistic equity return models

• Preferred model: exploratory simulation

• Historical return set scaled to match your forward-looking return expectations

• Also supports several types of Monte Carlo simulation

Provides meaningful measures of simulated portfolio performance

• Signature measure of simulated performance is effect on variable retirement budget

• Outcomes are actuarially adjusted

True-to-life simulation of retirement budgets

TIP$TER's Asset Allocation Risk/Reward Spectrum Chart^TM

• Evaluates the relative risks and rewards of a full spectrum of asset allocations

• Provides meaningful guidance on choosing an asset allocation