Modelling Table: Comprehensive Financial Data Analysis

Overview

The Modelling Table serves as your comprehensive financial data analysis center, providing detailed year-by-year projections, tabbed interface for deep data exploration, and complete financial statements for each year of your retirement projection. This powerful tool transforms complex financial calculations into organized, accessible data tables that support detailed analysis and decision-making.

Table Structure and Organization

Year-by-Year Layout

• Age Columns: Each column represents a specific age/year
• Financial Categories: Rows organized by financial component types
• Calculated Values: All values calculated based on scenario parameters
• Inflation Adjusted: Values can be shown in real or nominal terms

Tabbed Interface

• Summary Tab: High-level overview of key financial metrics
• Income Tab: Detailed breakdown of all income sources
• Expenses Tab: Complete expense analysis by category
• Investments Tab: Investment account balances and performance
• Property Tab: Property values, debt, and equity analysis
• Tax Tab: Detailed tax calculations and obligations

Summary Tab: Financial Overview

Key Financial Metrics

• Net Wealth: Total assets minus total liabilities
• Total Income: All income sources combined
• Total Expenses: All expenses including taxes
• Net Cashflow: Income minus expenses
• Investment Balance: Total investment account values
• Property Equity: Net property value after debt

Asset Allocation Breakdown

• Cash Savings: Liquid cash reserves
• Investment Funds: Total across all investment accounts
• KiwiSaver: Combined KiwiSaver balances
• Property Equity: Net property values
• Other Assets: Additional assets and investments

Income Tab: Detailed Income Analysis

Employment Income

• Main Person Income: Primary employment earnings
• Partner Income: Partner's employment earnings
• Gross Income: Before-tax employment income
• Net Income: After-tax employment income

Additional Income Sources

• Rental Income: Property rental earnings
• Investment Income: Dividends and distributions
• Government Benefits: NZ Superannuation and other benefits
• Other Income: Consulting, side businesses, pensions

Income Tax Calculations

• Taxable Income: Total income subject to tax
• Tax Brackets: Progressive tax calculation breakdown
• Total Tax: Combined income tax obligation
• Effective Tax Rate: Average tax rate on total income

Expenses Tab: Comprehensive Expense Tracking

Living Expenses

• Pre-Retirement Expenses: Working years living costs
• Post-Retirement Expenses: Retirement years living costs
• Inflation Adjustments: Annual expense increases
• Life Event Adjustments: Expense changes due to life events

Additional Expenses

• Travel and Recreation: Holiday and leisure expenses
• Vehicle Expenses: Car purchases and maintenance
• Home Maintenance: Property upkeep and improvements
• Healthcare Costs: Medical and health-related expenses

Goal-Related Expenses

• Implemented Goals: Goals that meet success rate thresholds
• Goal Timing: When specific goals are implemented
• Goal Amounts: Dollar amounts for each implemented goal
• Cumulative Goal Costs: Total goal expenses over time

Investments Tab: Portfolio Performance Analysis

Individual Fund Tracking

• Fund 1-5 Balances: Individual investment fund values
• Fund Contributions: New money added to each fund
• Fund Withdrawals: Money withdrawn from each fund
• Investment Returns: Growth from market performance

Portfolio Allocation

• Current Allocation: Percentage in each fund
• Target Allocation: Desired percentage allocation
• Rebalancing Actions: When portfolio rebalancing occurs
• Allocation Drift: How allocation changes over time

KiwiSaver Analysis

• Employee Contributions: Personal KiwiSaver contributions
• Employer Contributions: Employer matching contributions
• Government Contributions: Member tax credits
• Investment Growth: KiwiSaver fund performance
• Total KiwiSaver Balance: Combined account values

Property Tab: Real Estate Analysis

Property Values

• Property 1-5 Values: Individual property valuations
• Annual Growth: Property value increases each year
• Total Property Value: Combined portfolio value
• Growth Rate Analysis: Actual vs. expected growth rates

Mortgage Debt

• Outstanding Balances: Remaining mortgage debt
• Principal Payments: Debt reduction each year
• Interest Payments: Annual interest costs
• Total Debt Service: Combined mortgage payments

Property Equity and Cashflow

• Net Equity: Property value minus mortgage debt
• Rental Income: Income from investment properties
• Property Expenses: Maintenance, rates, and management costs
• Net Property Cashflow: Rental income minus all property costs

Tax Tab: Detailed Tax Analysis

Income Tax Calculations

• Taxable Income Breakdown: Sources of taxable income
• Tax Bracket Analysis: Income in each tax bracket
• Marginal Tax Rate: Tax rate on additional income
• Tax Optimization Opportunities: Potential tax savings

Investment Tax Treatment

• PIE Fund Taxation: Portfolio Investment Entity tax
• Capital Gains: Tax on investment gains
• Dividend Taxation: Tax on investment distributions
• Tax-Deferred Growth: KiwiSaver and other tax-advantaged accounts

Data Export and Analysis Features

Export Options

• CSV Export: Export data to spreadsheet format
• Excel Export: Export with formatting and formulas
• PDF Reports: Generate formatted reports
• Custom Date Ranges: Export specific time periods

Analysis Tools

• Sorting and Filtering: Organize data by different criteria
• Search Functionality: Find specific data points
• Calculation Tools: Built-in calculators for analysis
• Comparison Features: Compare different scenarios

Practical Applications

Financial Planning Uses

• Cash Flow Planning: Identify surplus and deficit periods
• Tax Planning: Optimize tax strategies over time
• Investment Strategy: Track portfolio performance and allocation
• Goal Monitoring: Track progress toward financial goals

Decision Support

• Scenario Comparison: Compare different planning strategies
• Sensitivity Analysis: Test impact of assumption changes
• Timing Optimization: Identify optimal timing for financial decisions
• Risk Assessment: Understand financial risks and exposures

Best Practices

Data Analysis Guidelines

• Regular Review: Examine data regularly for insights
• Focus on Trends: Look for patterns and trends over time
• Identify Inflection Points: Find key transition periods
• Validate Assumptions: Use data to confirm planning assumptions

Reporting and Communication

• Client Presentations: Use data for client education
• Progress Tracking: Monitor progress against projections
• Documentation: Maintain records of planning decisions
• Compliance: Support regulatory and compliance requirements