| Of course not, it isn't but it seems like it is (to me at least). In the Wizard: House 200000 200000 paid off Acknowledge, etc. Confirm Create a Plan etc. Now I have Other Asset value 200,000, Already Owned, cancels out Rent expenses during ownership, Value is fixed only adjusted for inflation, never sold etc. House starts at age 25 200,000, arrives at age 92 at 25,986.
25 first year is 200,000
26 second year is 194,000
27 third year is 188,180 The asset is defined "Fixed value only adjusted for inflation". Of course if I enter the asset and change from "none" (that is now explained as "Inflation of 3% will decrease asset value over time") to "Match inflation" (that is explained as "Asset value will increase over time matching the inflation rate of 3%" and comes out on the main plan as "Value increases to match inflation" I get the "flat graph" I expected. The issue is about the wording: "Fixed value only adjusted for inflation" vs: "Value increases to match inflation" The (fixed) value of an asset cannot "increase to match" (it is fixed) it can only be "adjusted to match". As I see it the first one is "Fixed not adjusted to anything" and the second is "Fixed but adjusted to match inflation". (and something like these will disambiguate from Appreciate/Depreciate). BTW the actual Appreciate/Depreciate % needs to be increased/decreased of inflation rate. As I see it, there should be three possibilities only: Fixed Appreciate (and its %) Depreciate (and its %) and then a separate checkbox for "Match Inflation". As an example, if you have Inflation at 3% and select Appreciate 1%, the result is a declining value (as you have no way to Appreciate it 1% AND match inflation, while it is common - at least here - to consider appreciation rate not as absolute but the difference over inflation, it should be specified/explained that there you need to put an absolute rate including inflation). |