The following Learning Tools may also be helpful as you prepare your personal financial plan:

5A.   Investment Plan Example 5A

This document is good example of an investment plan. After reading Section 18, you are encouraged to copy this investment plan and change the investment goals, objectives, allocations, and other areas to make them consistent with your personal goals, objectives, return and risk requirements, asset allocation targets, and other investing parameters.

5B.   Investment Plan Instructions 5B

This document gives instructions on preparing your investment plan.

23.    Return Simulation For Asset Classes

This spreadsheet helps you see the impact of various investment strategies, as well as the volatility of different asset classes. This spreadsheet also shows you the historical impact of different asset-allocation decisions.

26.   After-Tax, Equivalent Taxable Yield, and After-Inflation Returns

This spreadsheet calculates the after-tax, equivalent taxable yield, and after-inflation returns on various assets.

27.   Expected Return Simulation

This spreadsheet shows a historical perspective on returns and standard deviation (risk) for the major asset classes over the last one, five, ten, twenty-five, fifty, seventy-five, and eighty years. It also includes the recommended benchmarks for some of the major asset classes.