Perfico - personal financial planning

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Software Description

Sheet 7: “Mutual Funds”

This sheet will provide you with the information concerning specific mutual funds to invest according to the asset allocation strategy recommended by Dream Calculator©. Each listed fund, characterized in terms of its class, name, rating, minimum investment requirement, expense ratio, and phone number, has been selected among thousands of available options based on its low expense ratio, solid past performance, and low minimum investment requirement. In addition, none of the suggested funds carry initial sales charges.

Sheet 8: “Life Insurance”

This sheet will provide you with a life insurance advice. In particular, based on your personal information, it will suggest to you the specific insurance coverage you need to have to adequately protect your family.

Sheet 9: “Balance Sheet”

This sheet is the summary of your assets and liabilities and a way for you to have a clear picture of your overall financial situation.

Sheet 10: “Comments”

As you fill out the software, you might want to record your notes, ideas, and questions on this sheet for future reference.

Sheets 11 & 12: “1” and “2”

The last two sheets are service sheets that contain hidden data and formulas that power the software.

DREAM CALCULATOR© ASSUMPTIONS

The financial advice of Dream Calculator© is subject to certain assumptions, some of which are listed below:

1) The historical inflation rate and the historical rates of return on securities are projected into the future.

2) All cash inflows and outflows (incomes, expenses, and financial goals) will be incurred at the year-end.

3) You will not contribute to tax advantageous programs, such as retirement plans.*

4) Monetary values of all goals, revenues, and expenses will increase at the inflation rate.

5) Management and expense fees charged by mutual funds will remain the same going forward.

* This is a conservative assumption. It does not suggest that you should not participate in retirement plans, as they will boost the long-term growth of your wealth.

SOFTWARE DETAILS

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