{"id":64,"date":"2016-07-27T13:23:08","date_gmt":"2016-07-27T12:23:08","guid":{"rendered":"http:\/\/localhost\/blog\/?p=64"},"modified":"2017-07-06T16:43:15","modified_gmt":"2017-07-06T15:43:15","slug":"inheritance-retirement-plan","status":"publish","type":"post","link":"https:\/\/evolvemyretirement.com\/blog\/inheritance-retirement-plan\/","title":{"rendered":"Inheritance In Your Retirement Plan"},"content":{"rendered":"<p style=\"text-align: justify;\">It can be uncomfortable or even distressing to\u00a0make\u00a0a financial plan that takes death into account. We don&#8217;t like to think that someone we care about may die before we do. However when couples plan their future finances, it&#8217;s prudent to think the unthinkable. They need to consider how each one would cope financially should the other one die first.<\/p>\n<p style=\"text-align: justify;\">It&#8217;s less common to make a financial plan for inheriting from one&#8217;s parents (or perhaps from another close relative). There could be a number of reasons for this:<\/p>\n<ul>\n<li style=\"text-align: justify;\">We don&#8217;t like to feel financially dependent on our parents.<\/li>\n<li style=\"text-align: justify;\">The idea of waiting for our parents to die fills us with distaste.<\/li>\n<li style=\"text-align: justify;\">We&#8217;ve no idea how long our parents will actually live.<\/li>\n<li style=\"text-align: justify;\">We&#8217;re uncomfortable discussing the issue with our parents.<\/li>\n<li style=\"text-align: justify;\">Our parents might spend all or most of their money later in life, perhaps on care.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">All of these are valid concerns. Indeed, I&#8217;ve heard and read passionate advice that we should completely ignore any potential inheritance from our parents. We&#8217;re supposed to treat it as a windfall if and when it happens. I understand this point of view, but I disagree. We should dispassionately base our financial plan on reality, as best as we can.<\/p>\n<p style=\"text-align: justify;\">This doesn&#8217;t mean we should treat a future inheritance as though it&#8217;s already money in the bank. But it can be an added factor to take into account in our plans.<\/p>\n<h2 style=\"text-align: justify;\">Example 1: Single Person<\/h2>\n<p style=\"text-align: justify;\">It&#8217;s complicated even for a single person. If you outlive your parents, then you&#8217;ll eventually inherit from them. So you could plan for a modest increase in spending starting now, which you&#8217;ll <em>probably <\/em>eventually recover. If you die before your parents, that additional spending won&#8217;t hurt your finances since you&#8217;ll be dead! On the other hand, if just one of your parents lives to a ripe old age, there&#8217;s a risk that you could run out of money before inheriting anything. This means you still have to be careful about spending money you may never receive.<\/p>\n<h2 style=\"text-align: justify;\">Example 2: Couple<\/h2>\n<p style=\"text-align: justify;\">For a couple, things are significantly more complicated. As an example, consider a married couple consisting of a 50-year-old husband and a 45-year-old wife. Suppose that the husband expects he&#8217;ll eventually inherit a sizeable sum from his 70-year-old mother. Let&#8217;s assume his mother is widowed. Suppose the married couple starts increasing their joint spending, banking on this inheritance. Then for the wife there&#8217;s a double financial risk:<\/p>\n<ol>\n<li style=\"text-align: justify;\">The husband&#8217;s mother may live to a ripe old age. This risk was also present in the single person example.<\/li>\n<li style=\"text-align: justify;\">The husband may die before his mother. In this case the wife would not expect to receive the inheritance.<\/li>\n<\/ol>\n<p style=\"text-align: justify;\">One way of mitigating the\u00a0second risk might be for the husband to take out life insurance. The point is though that balancing the risks can be complex.<\/p>\n<h2 style=\"text-align: justify;\">Our Financial Plan Calculator<\/h2>\n<p style=\"text-align: justify;\">In the light of such complexity, little wonder that many feel it best to ignore inheritance altogether. Treating it like cash in the bank is certainly a bad idea. When we originally launched our financial plan\u00a0<a href=\"\/\">calculator<\/a>, we didn&#8217;t program it to explicitly handle inheritance. There was no safe way for plan members to anticipate inheritance using the tool.<\/p>\n<p style=\"text-align: justify;\">Some other financial calculators have treated inheritance as a guaranteed lump sum at retirement. This may be considered\u00a0a slight improvement, but it&#8217;s still risky. It&#8217;s clearly <em>not<\/em> guaranteed.<\/p>\n<p style=\"text-align: justify;\">Following extensive research and trials, our own\u00a0<a href=\"\/\">calculator<\/a>\u00a0now accepts details of one or more anticipated inheritances. Each inheritance can be from either one or two people. The application uses Monte Carlo simulation. It uses personal details (e.g. gender, date of birth) of the member(s) of the plan. It also uses similar details of any other people from whom they stand to inherit. Optimisation is done by means of a genetic algorithm. This balances out these and other competing uncertainties, to arrive at a viable spending strategy.<\/p>\n<p style=\"text-align: justify;\">We believe that <a href=\"\/\">EvolveMyRetirement<\/a>\u00ae is the first online financial plan calculator that treats inheritance in a realistic way.<\/p>\n<!-- AddThis Advanced Settings generic via filter on the_content --><!-- AddThis Share Buttons generic via filter on the_content -->","protected":false},"excerpt":{"rendered":"<p>It can be uncomfortable or even distressing to\u00a0make\u00a0a financial plan that takes death into account. We don&#8217;t like to think that someone we care about may die before we do. However when couples plan their future finances, it&#8217;s prudent to<!-- AddThis Advanced Settings generic via filter on get_the_excerpt --><!-- AddThis Share Buttons generic via filter on get_the_excerpt --><\/p>\n","protected":false},"author":1,"featured_media":156,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3],"tags":[],"class_list":["post-64","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorised"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Inheritance In Your Retirement Plan - EvolveMyRetirement<\/title>\n<meta name=\"description\" content=\"It is worth thinking about inheritance in your retirement plan. EvolveMyRetirement\u00ae has that covered. 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Search us online to get your optimised financial plan.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/evolvemyretirement.com\/blog\/inheritance-retirement-plan\/\" \/>\n<meta property=\"og:site_name\" content=\"EvolveMyRetirement\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/evolvemyretirement\" \/>\n<meta property=\"article:published_time\" content=\"2016-07-27T12:23:08+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2017-07-06T15:43:15+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/will-2.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"800\" \/>\n\t<meta property=\"og:image:height\" content=\"531\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Nick\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@evolvemyretire\" \/>\n<meta name=\"twitter:site\" content=\"@evolvemyretire\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Nick\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/inheritance-retirement-plan\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/inheritance-retirement-plan\/\"},\"author\":{\"name\":\"Nick\",\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/#\/schema\/person\/927febeaea45f5b77b454c800da0e5b8\"},\"headline\":\"Inheritance In Your Retirement Plan\",\"datePublished\":\"2016-07-27T12:23:08+00:00\",\"dateModified\":\"2017-07-06T15:43:15+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/inheritance-retirement-plan\/\"},\"wordCount\":700,\"commentCount\":4,\"publisher\":{\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/inheritance-retirement-plan\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/will-2.jpg\",\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/evolvemyretirement.com\/blog\/inheritance-retirement-plan\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/inheritance-retirement-plan\/\",\"url\":\"https:\/\/evolvemyretirement.com\/blog\/inheritance-retirement-plan\/\",\"name\":\"Inheritance In Your Retirement Plan - EvolveMyRetirement\",\"isPartOf\":{\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/inheritance-retirement-plan\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/evolvemyretirement.com\/blog\/inheritance-retirement-plan\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/evolvemyretirement.com\/blog\/wp-content\/uploads\/will-2.jpg\",\"datePublished\":\"2016-07-27T12:23:08+00:00\",\"dateModified\":\"2017-07-06T15:43:15+00:00\",\"description\":\"It is worth thinking about inheritance in your retirement plan. 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