Guide List

What's NEW in OT ?

1. Getting Started with OnTrajectory

  1. Basic Settings
  2. Income
  3. Expenses
  4. Accounts & Taxes
  5. Adding Items and Age Ranges
  6. Centralized 'Retirement Age'
  7. Confidence Check / Chance of Success
  8. Referral & Reward Program

2. Modeling Income

  1. Start and End Ages
  2. Raises and Inflation (the Growth Override Field)
  3. Income Tax
  4. Adding a new Item versus a new Age Range

3. Modeling Expenses

  1. Indefinitely Recurring Expenses
  2. Expenses that Begin and End
  3. What-If Analysis
  4. Spending Type
  5. Expense Growth and Inflation (the Growth Override Field)

4. Modeling Accounts & Taxes

  1. The Deposit Account
  2. Account Properties (including Roth Conversions and Inherited IRAs)
  3. Contributions to an Account
  4. Account End Ages & Drawdowns
  5. Taxes on Accounts & Income
  6. Tax Types
  7. The % Growth Field
  8. The Starting Balance Field
  9. Generated Warnings
  10. Negative Balances
  11. Required Minimum Distributions (RMDs)
  12. Viewing Data and Graphs

5. Modeling Home Equity

  1. Entering Loan/Mortgage Information
  2. Modeling Starting Equity and the Increase of Property Value
  3. Modeling the Sale of Your Home

6. Adding a Spouse / Owner

7. Tracking Progress

  1. Making Progress Updates
  2. Viewing Individual Account Progress

8. Setting Goals

9. Monte Carlo and Historical Analysis

  1. “All models are wrong, but some are useful.”
  2. Portfolio Mix
  3. Factors Affecting Growth
  4. Running Monte Carlo and Historical Analyses
  5. Confidence Check / Chance of Success

10. Creating and Managing Scenarios

11. Understanding Output Data

  1. Incomes Tab
  2. Expenses Tab
  3. Accounts Tab
    — Deposit Account
    — Tax-Deferred Accounts
    — Annually-Taxed Accounts
  4. Grand Total Tab