Saving in Europe

Welcome

Predefined input valuess or clear fields

Personal Balance Sheet

Input - Assets

Financial Assets

Input - Liabilities

Debt

Input - Human capital

Scenario 1

Scenario 2

Human capital

Assets and Liabilities

Input - Assets

Cash and Cash Equivalents

Investment Portfolio

Vehicles

Housing

Pension_Portfolios

Equity in Small Business

Other Assets

Financial_Assets

Input - Liabilities

Credit Card Balance

Student loans

Car loans

Mortgage loans

Other debt

Implicit liabiliities

Human Capital

Scenario 1

Scenario 2

Annual after-tax salary

Growth rate of salary

Valuation rate

Current age

Retirement age

Human capital

Scenario 1

Scenario 2

Change Of Consumption

Economic Net Worth

Valuation Rate

Current age

Expected age of death

Optimal_consumption

Scenario 1

Scenario 2

Beta

R

Theta

Current age

Expected age of death

Human capital

Change Of Consumption

Optimal_consumption

Incapacity/disability coverage

Calculate as incapacity or disability scenario

Scenario 1

Scenario 2

Disability Age

Disability Coverage

Consumption smoothing

Wages vs Consumption

Human Capital vs. Financial Capital

Investments

Sample Period Settings

Sample period years

Sample period start

Sample period start date

Sample_Period

Set Asset Weights for Custom Portfolios

Portfolio A

Portfolio B

Large stocks weight

Small stocks weight

Corporate bonds weight

Government bonds weight

Cash weight

Advanced settings

Adjust for Inflation

Transaction Cost

Rebalance

Monthly

Quarterly

Yearly

Never

Portfolio Returns

Asset Classes vs. Portfolio Wealth Development

Asset Classes vs. Portfolio Risk-Adjusted Wealth Development

Wealth_Development_of_Different_Strategies

Risk_Adjusted_Wealth_Development_of_Different_Strategies

Asset Allocation

Scenario 1

Scenario 2

EW

60 40

MinVar

MV

Portfolio_Statistics