Did U log in with your Google a/c?
If U did and U already "made a copy", that copy is your private Google Sheet already.
er.. if U've no Google a/c.. heheh- sorry ar, can't "make copy" coz make copy to where?
Of course, I knew that, how silly of me
---
BTW, hint hint (and real life):
Try placing in cell G14:
Net Salary * 1/3 *12 (ie. U save 1/3 of your net salary - may be tough but do-able) +Net Bonus *1/3 (ie. U save 1/3 of your bonus - do-able)
VS
Net Salary * 5% *12 (ie. U save 1/3 of your net salary - may be tough but do-able) +Net Bonus *1/3 (ie. U save 1/3 of your bonus - do-able)
VS
Net Salary * 10% *12 (ie. U save 1/3 of your net salary - may be tough but do-able) +Net Bonus *1/3 (ie. U save 1/3 of your bonus - do-able)
See the column D when turn red - which year for all 3.
Notice a big enough difference even with 10% vs 5%?
This shows that DEFENCE is very important as well (keeping $), not just making $ (returns pa%)
With this, U can literally see the future visually (RED = must die liao, no $)
Hope to quit my job so that I can manage/grow my portfolio in the next couple of years. So no more fixed income---
Other than that, one can also use the sheet to ascertain how much death insurance required.
Eg. i change the retirement year to 1 or 2 from now, simulating my death thus no more income and need to eat into cash investments' returns.
Also no more savings
Then scroll down lor to see how long family can live off current VS what i want/thought.
See the variance if any, and i can agak agak how much more death insurance i need.
Just a thought
Interesting to see the differences when I make changes to cost/year or ROI or Child's UNI cost. TYVM.
Any chance that u are going to become a Professional Financial Planner?