_I published a spreadsheet on calculating cash flow for the dinar investor based on an annuity and posted it on http://mmfonline.info/. I suggest you go back and download the new and improved along with corrected calculator.
This spreadsheet is not meant to replace a financial planner but help you understand where it all goes and could theoretically be used in conjunction with a financial planner (mine really liked it once they realized I was not making specific recommendations. While I have put conservative values in, once you download it you can put your own values in and watch the numbers spin.
The key was to try and keep people from premature quitting their day job. My example is 1 million dinar, 10% tithing, $3.22 rate, 35% initial tax , no state tax, $350K bills, 10% toys, 7% ROI , 3% inflation factor and 35% income tax on ROI - scary but you only yield $2,695 a month after taxes but you grow principal and payment 3% a year
If you took out the 3% inflation factor your monthly cash flow would be $4,716, however this would be a fixed amount and inflation would severely reduce the buying power of rather rapidly. If you assumed an initial tax rate of 15% then your first year monthly annuity would be $3,951. Play with it till your hearts delight.
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I chose to use 35% income tax on the annuity payments assuming that either this would be on top of your income or it would be at that rate due to the size of the payment. If you feel someone can reduce your effective rate of 17% then you simply input 17%. http://mmfonline.info/
Understanding inflation. If you have an annuity there are an infinite number of ways but basically there are 3 types and I may get the names wrong. A lotto type of annuity where you win $160 million over 20 years paid out at $8 million a year or a one time payout that may be something like $70-$90 million.
The second is where people say they never touch the principal and live off the interest. However, over time inflation will wipe out the effective value. Third is where you roll over part of your ROI into principal. For instance you have a 7% ROI and you take 4% as an annuity and roll over 3% into the principal. This is the one I recommend and both principal and annuity will grow every year.