IRS tables used for tax computations (tax rate schedules, tax brackets, and standard deductions)
have been updated for 2009. Market performance statistics have been
updated through 2008.
The ROI/Asset Allocation Calculator will now calculate the best asset
allocation for a target ROI using market statistics for rate of return and
volatility. You don't need to play trial-and-error to find the allocation
that achieves your objective with the least risk. You can also see how
allocations of your own design compare in meeting your goals, and get a
better and more reliable feeling for what is achievable.
The Financial Event Wizard has been updated with new event types,
including some "complex" types which produce multiple events (e.g., taking
out a loan and paying it back over time). Better support for Annuities and
Reverse Mortgages is also provided by the Wizard.
An option is added in Algorithm Settings to defer taxes until death when
possible. If you have Leftover Assets at Death, this toggle will attempt to
leave only tax-deferred assets to your estate in order to minimize your tax
liability while you're alive, thus giving you a higher income from your
assets.