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["SMI Multi-Strategy Allocation (50/40/10) Calculator"]
["50/40/10 is a blended approach that allocates 50% of a portfolio to SMI's Dynamic Asset Allocation strategy (DAA), 40% to Fund Upgrading, and 10% to Sector Rotation (SR). Input the dollar amount you have available to invest, along with your risk tolerance and season of life (see our \"Start Here\" section), and the calculator will detail how much to invest in each strategy and fund."]
["(For a fuller explanation of 50/40/10, see Higher Returns With Less Risk, Re-Examined.)"]
[]
[null,"Enter amount you want to invest",null,100000]
[]
[]
[null,"Determine your allocation mix between stratgies "]
[null,"The default is 50% DAA, 40% Fund upgrading, and 10% Sector Rotation"]
[]
[null,null,"DAA",50,"%"]
[null,null,"Fund Upgrading",40,"%"]
[null,null,"Sector Rotation",10,"%"]
[null,null,"Must total 100%",{"$f":"SUM(D11:D13)","v":100},"%"]
[]
["Dynamic Asset Allocation"]
[null,"DAA is allocated evenly between three funds.  Note: one fund will be slightly different from the others due to rounding."]
[null,null,"Fund 1",{"$f":"D$5*(D$11/100)*0.333","v":16650}]
[null,null,"Fund 2",{"$f":"D$5*(D$11/100)*0.333","v":16650}]
[null,null,"Fund 3",{"$f":"(D5*(D11/100))-D18-D19","v":16700}]
[]
[null,null,"Total DAA Allocation",{"$f":"SUM(D18:D20)","v":50000}]
[]
["Fund Upgrading"]
[{"$nulls":8},"Daredevil",{"$f":"IF(C27=\"Daredevil\",1,0)","v":1},"Explorer",{"$f":"IF(C27=\"Explorer\",1,0)","v":0},"Researcher",{"$f":"IF(C27=\"Researcher\",1,0)","v":0},"Preserver",{"$f":"IF(C27=\"Preserver\",1,0)","v":0}]
[null,null,"Choose Investing Temperament:",null,"Choose Season of Life:",null,null,null,"Stock","Bond","Stock","Bond","Stock","Bond","Stock","Bond"]
[null,"Your Investing Profile","Daredevil","Daredevil","20+ years until I retire","20+ years until I retire"," ",null,100,0,100,0,100,0,100,0]
[null,null,null,"Explorer",null,"15-20 years until I retire"," ",null,100,0,100,0,100,0,80,20]
[null,null,null,"Researcher",null,"10-15 years until I retire"," ",null,100,0,80,20,80,20,70,30]
[null,null,null,"Preserver",null,"5-10 years until I retire"," ",null,80,20,70,30,60,40,50,50]
[{"$nulls":5},"5 years until I retire"," ",null,70,30,60,40,50,50,40,60]
[null,"Amount to invest in stocks",{"$f":"LARGE(I35:P41,1)/100","v":1},{"$f":"$D$5*($D$12/100)*C32","v":40000},null,"In early retirement years now"," ",null,60,40,50,50,40,60,20,80]
[{"$nulls":5},"In later retirement years now"," ",null,40,60,30,70,20,80,0,100]
[null,"Amount to invest in bonds",{"$f":"1-C32","v":0},{"$f":"$D$5*($D$12/100)*C34","v":0}]
[{"$nulls":8},{"$f":"IF(AND(J25=1,$E$27=\"20+ years until I retire\"),I27,0)","v":100},null,{"$f":"IF(AND(L25=1,$E$27=\"20+ years until I retire\"),K27,0)","v":0},null,{"$f":"IF(AND(N25=1,$E$27=\"20+ years until I retire\"),M27,0)","v":0},null,{"$f":"IF(AND(P25=1,$E$27=\"20+ years until I retire\"),O27,0)","v":0}]
[{"$nulls":8},{"$f":"IF(AND(J25=1,$E$27=\"15-20 years until I retire\"),I28,0)","v":0},null,{"$f":"IF(AND(L25=1,$E$27=\"15-20 years until I retire\"),K28,0)","v":0},null,{"$f":"IF(AND(N25=1,$E$27=\"15-20 years until I retire\"),M28,0)","v":0},null,{"$f":"IF(AND(P25=1,$E$27=\"15-20 years until I retire\"),O28,0)","v":0}]
[null,null,"Stocks",{"$nulls":5},{"$f":"IF(AND(J25=1,$E$27=\"10-15 years until I retire\"),I29,0)","v":0},null,{"$f":"IF(AND(L25=1,$E$27=\"10-15 years until I retire\"),K29,0)","v":0},null,{"$f":"IF(AND(N25=1,$E$27=\"10-15 years until I retire\"),M29,0)","v":0},null,{"$f":"IF(AND(P25=1,$E$27=\"10-15 years until I retire\"),O29,0)","v":0}]
[null,"Situational Fund",0.1,{"$f":"$D$32*C38","v":4000},{"$nulls":4},{"$f":"IF(AND(J25=1,$E$27=\"5-10 years until I retire\"),I30,0)","v":0},null,{"$f":"IF(AND(L25=1,$E$27=\"5-10 years until I retire\"),K30,0)","v":0},null,{"$f":"IF(AND(N25=1,$E$27=\"5-10 years until I retire\"),M30,0)","v":0},null,{"$f":"IF(AND(P25=1,$E$27=\"5-10 years until I retire\"),O30,0)","v":0}]
[null,"Situational Fund",0.1,{"$f":"$D$32*C39","v":4000},{"$nulls":4},{"$f":"IF(AND(J25=1,$E$27=\"5 years until I retire\"),I31,0)","v":0},null,{"$f":"IF(AND(L25=1,$E$27=\"5 years until I retire\"),K31,0)","v":0},null,{"$f":"IF(AND(N25=1,$E$27=\"5 years until I retire\"),M31,0)","v":0},null,{"$f":"IF(AND(P25=1,$E$27=\"5 years until I retire\"),O31,0)","v":0}]
[null,"Small Company / Active Fund",0.1,{"$f":"$D$32*C40","v":4000},{"$nulls":4},{"$f":"IF(AND(J25=1,$E$27=\"In early retirement years now\"),I32,0)","v":0},null,{"$f":"IF(AND(L25=1,$E$27=\"In early retirement years now\"),K32,0)","v":0},null,{"$f":"IF(AND(N25=1,$E$27=\"In early retirement years now\"),M32,0)","v":0},null,{"$f":"IF(AND(P25=1,$E$27=\"In early retirement years now\"),O32,0)","v":0}]
[null,"Small Company / Active Fund",0.1,{"$f":"$D$32*C41","v":4000},{"$nulls":4},{"$f":"IF(AND(J25=1,$E$27=\"In later retirement years now\"),I33,0)","v":0},null,{"$f":"IF(AND(L25=1,$E$27=\"In later retirement years now\"),K33,0)","v":0},null,{"$f":"IF(AND(N25=1,$E$27=\"In later retirement years now\"),M33,0)","v":0},null,{"$f":"IF(AND(P25=1,$E$27=\"In later retirement years now\"),O33,0)","v":0}]
[null,"Small Company / Index Fund",0.1,{"$f":"$D$32*C42","v":4000}]
[null,"Large Company / Active Fund",0.2,{"$f":"$D$32*C43","v":8000}]
[null,"Large Company / Active Fund",0.1,{"$f":"$D$32*C44","v":4000}]
[null,"Large Company / Index Fund",0.2,{"$f":"$D$32*C45","v":8000}]
[]
[null,null,"Total Stocks",{"$f":"SUM(D38:D46)","v":40000}]
[]
[null,null,"Bonds"]
[null,"Upgrading Fund",0.5,{"$f":"$D$34*C50","v":0}]
[null,"Permanent: Intermediate-term Bond Fund",0.25,{"$f":"$D$34*C51","v":0}]
[null,"Permanent: Short-term Bond Fund",0.25,{"$f":"$D$34*C52","v":0}]
[]
[null,null,"Total Bonds",{"$f":"SUM(D50:D53)","v":0}]
[]
[null,"Total Fund Upgrading Allocation",null,{"$f":"D47+D54","v":40000}]
[]
["Sector Rotation"]
[null,"Fund ",1,{"$f":"D5*D13/100","v":10000}]
[]
[null,"Total Sector Rotation Allocation",null,{"$f":"D59","v":10000}]
[]
[null,"Total Investment Portfolio Amount",null,{"$f":"D22+D56+D61","v":100000}]