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[]
["TFIR 2016 Retirement Choice Model"]
["First, please look carefully at:"]
["https://ucnet.universityofcalifornia.edu/compensation-and-benefits/retirement-benefits/2016-retirement-choice/"]
["Then next look at:"]
["https://senate.universityofcalifornia.edu/resources/retirement-choice-model.html"]
["This spreadsheet is intended to help new UC employees hired after July 1, 2016 choose"]
["between Savings Choice, Pension Choice, or Second Choice."]
["This spreadsheet uses values for the PEPRA Cap and IRS Covered Compensation Limits that are"]
["effective for the year beginning July 1, 2024.  You need to change these for other retirement dates. "]
["See the shaded box on page 7 of the"]
["Retirement Benefits Decision Guide 2023 (universityofcalifornia.edu) for more information:"]
["https://ucnet.universityofcalifornia.edu/forms/pdf/retirement-benefits-decision-guide.pdf"]
["The official IRS limit page is https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-defined-benefit-plan-benefit-limits\n"]
["The official PEPRA cap page is :  https://www.sco.ca.gov/PEPRA_Compensation_Limits.html\n"]
[]
["All inputs should be entered on the \"Home_Page\" tab, and users are encouraged to experiment"]
["with different values for investment returns, inflation, and retirement age."]
["Note that investment returns and inflation are held constant for the simulations, so"]
["you should choose values that represent reasonable long-run values. The UC Investment Office"]
["currently assumes a 6.75% investment return and 2.5% inflation.  Note that you must choose"]
["values so that investment return is strictly greater than inflation and both are greater than"]
["zero. Entering other values will lead to erroneous calculations.  The \"TFIR Retirement Plan Choice "]
["Modeling\" page (see link on line 6) provides some historical data on investment returns and"]
["inflation that will help you choose reasonable values for these key inputs."]
[]
["The \"Year of Second Choice Election\" is the year of UC employment when you elect to switch"]
["from Savings to Pension choice.  The election is effective the next year."]
[]
["The \"Annuity End Age\" controls the age when the withdrawals from retirement"]
["savings balances lead to zero balances.  This should generally be at least 100 years for"]
["a single retiree, but employees with younger spouses should set a higher value if they"]
["expect their retirement savings to last for their spouse's life."]
[]
["Note that macros must be enabled for this spreadsheet to work, and you must"]
["click the \"GO!\" button on the Home_Page each time you change any of the input values."]
["You must download the file onto your computer.  When you open the file you will need to"]
["click \"Enable Macros\" at the top of the home page , and on a Windows computer you"]
[" may also need to:"]
["1. Close the Excel File, 2. Right click the Excel file name in the Explorer Window, 3. go to"]
["the bottom of the popup window and click \"properties\", 4. at the bottom where it says \"Security\""]
["click the \"unblock\" button and then click apply. 5. reopen the Excel File."]
[]
["The worksheets are locked except for the input boxes on the Home_Page, but you can"]
["copy the graphs and tables on the Tabular_Output sheet to your own spreadsheet"]
["to facilitate comparison across different input assumptions."]
[]
["The detailed computations are carried out on tab \"Sheet1,\" and there is a full description at"]
["https://senate.universityofcalifornia.edu/_files/committees/tfir/excel-sheet-description.pdf"]
[]
[]
["© David Brownstone, Jim Chalfant, and Daniel Hare 2022 and 2024"]

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["TFIR 2016 Retirement Choice Model Version 4.6 PEPRA and IRS Caps updated to July 2024"]
[null,"February 20, 2024",null,null,null,"Employee Contrib. rate (%)",null,null,7]
["Faculty Title? (Yes/No)",null,null,"yes",null,"Average Rate of Return (%)",null,null,6.75]
["Starting Age at UC:",null,null,33]
["Must be greater than 24",null,null,null,null,"Average Inflation Rate (%)",null,null,2.5]
["Starting Annual Base Salary",null,null,100000]
["PEPRA Cap",null,null,151146,null,"Year of Second Choice Election",null,null,6]
["IRS Compensation Cap (CCL)",null,null,345000,null,"Must be between 5 and 10 years"]
["Minimum Retirement Age",null,null,65]
["Must be at least 60 and less than",null,null,{"$f":"IF(D4>24,(D4+45),\"\")","v":78},null,"Annuity End Age",null,null,100]
["Prepared For:",null,null,"Your Name Here"]
["If you change any boxed numbers above row 10  you must hit the \"Go!\" button to update calculations"]
["The information below is only valid for UC employees first hired after July 1, 2016"]
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["Note: for each age before",null,{"$f":"D9","v":65}," the graphs show the annuitized wealth from UC Retirement"]
["sources if you separate at that age and wait until age",null,null,null,{"$f":"D9","v":65}," to retire."]
["For all ages equal or above  age",null,null,{"$f":"D9","v":65}," the graphs show the UC pension from retiring at that"]
["age plus the annuitized value of the UC Retirement Savings balance starting at that age until"]
["the annuity end age of",null,{"$f":"I10","v":100}]
["PEPRA and IRS CCL cap values can be found at: https://ucnet.universityofcalifornia.edu/compensation-and-benefits/retirement-benefits/2016-retirement-choice/index.html"]
["If you are not subject to the PEPRA cap set PEPRA Cap = IRS CCL cap "]
["If you would like to see more detail, the data used to create the above graphs"]
["can be copied and pasted from the \"Tabular_Output\" sheet"]

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["All Inputs in the first 8 rows must be changed on the Home_Page ",null,null,null,null,null,null,null,null,null,"last row",null,"Workspace",null,"Percent Income ",null,null,"Projected Annual Income"]
["Faculty Title? (Yes/No)",null,null,{"$f":"Home_Page!D3","v":"yes"},null,"Average Rate of Return (%)",null,null,{"$f":"Home_Page!I3","v":6.75},null,{"$f":"MAX(70,(Home_Page!$D$9+5))-(Home_Page!D4)+2","v":39},"Salary","Age","Savings Choice","Pension Choice","Second Choice","Savings Choice","Pension Choice","Second Choice"]
["Starting Age at UC:",null,null,{"$f":"Home_Page!D4","v":33},null,"Employee Contrib. rate (%)",null,null,{"$f":"Home_Page!$I$2","v":7},null,null,{"$f":"Sheet1!D3","v":100000},{"$f":"Sheet1!A3","v":33},{"$f":"Sheet1!AB3","v":0},{"$f":"Sheet1!AA3","v":0},{"$f":"Sheet1!AC3","v":0},{"$f":"Sheet1!Q3","v":0},{"$f":"Sheet1!Y3","v":0},{"$f":"Sheet1!AP3","v":0}]
[null,null,null,null,null,"Average Inflation Rate (%)",null,null,{"$f":"Home_Page!I5","v":2.5},null,null,{"$f":"Sheet1!D4","v":105699.99999999997},{"$f":"Sheet1!A4","v":34},{"$f":"Sheet1!AB4","v":1.4021681282811609E-2},{"$f":"Sheet1!AA4","v":4.6738937609372031E-3},{"$f":"Sheet1!AC4","v":1.4021681282811609E-2},{"$f":"Sheet1!Q4","v":6981.861016757397},{"$f":"Sheet1!Y4","v":2327.2870055857993},{"$f":"Sheet1!AP4","v":6981.861016757397}]
["Starting Salary",null,null,{"$f":"Home_Page!D6","v":100000},null,null,null,null,null,null,null,{"$f":"Sheet1!D5","v":111724.89999999994},{"$f":"Sheet1!A5","v":35},{"$f":"Sheet1!AB5","v":2.7905444389070978E-2},{"$f":"Sheet1!AA5","v":9.301814796356991E-3},{"$f":"Sheet1!AC5","v":2.7905444389070978E-2},{"$f":"Sheet1!Q5","v":13895.04799072702},{"$f":"Sheet1!Y5","v":4631.6826635756724},{"$f":"Sheet1!AP5","v":13895.04799072702}]
["or Covered Compensation",null,null,null,null,{"$f":"Home_Page!F7","v":"Year of Second Choice Election"},null,null,{"$f":"Home_Page!I7","v":6},null,null,{"$f":"Sheet1!D6","v":118037.35684999991},{"$f":"Sheet1!A6","v":36},{"$f":"Sheet1!AB6","v":4.1652645891006479E-2},{"$f":"Sheet1!AA6","v":1.3884215297002156E-2},{"$f":"Sheet1!AC6","v":4.1652645891006479E-2},{"$f":"Sheet1!Q6","v":20740.236404296938},{"$f":"Sheet1!Y6","v":6913.4121347656437},{"$f":"Sheet1!AP6","v":20740.236404296938}]
[{"$f":"Home_Page!A9","v":"Minimum Retirement Age"},null,null,{"$f":"Home_Page!D9","v":65},null,"Annuity End Age",null,null,{"$f":"Home_Page!I10","v":100},null,null,{"$f":"Sheet1!D7","v":124706.46751202487},{"$f":"Sheet1!A7","v":37},{"$f":"Sheet1!AB7","v":5.5258190047254588E-2},{"$f":"Sheet1!AA7","v":1.8419396682418189E-2},{"$f":"Sheet1!AC7","v":5.5258190047254588E-2},{"$f":"Sheet1!Q7","v":27514.888918523277},{"$f":"Sheet1!Y7","v":9171.6296395077552},{"$f":"Sheet1!AP7","v":27514.888918523277}]
["Prepared For:",null,null,{"$f":"Home_Page!$D$11","v":"Your Name Here"},null,null,null,null,null,null,null,{"$f":"Sheet1!D8","v":131752.38292645424},{"$f":"Sheet1!A8","v":38},{"$f":"Sheet1!AB8","v":6.8723536558801299E-2},{"$f":"Sheet1!AA8","v":5.2569513720718608E-2},{"$f":"Sheet1!AC8","v":6.8723536558801299E-2},{"$f":"Sheet1!Q8","v":34219.732367029246},{"$f":"Sheet1!Y8","v":26176.107637427442},{"$f":"Sheet1!AP8","v":34219.732367029246}]
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[null,null,"Percent of Income Replacement",null,null,null,"Projected Annual Income",null,null,null,null,{"$f":"Sheet1!D10","v":146991.39054525961},{"$f":"Sheet1!A10","v":40},{"$f":"Sheet1!AB10","v":9.5239400399651522E-2},{"$f":"Sheet1!AA10","v":7.8097840635307197E-2},{"$f":"Sheet1!AC10","v":9.3068178356993964E-2},{"$f":"Sheet1!Q10","v":47422.862030446988},{"$f":"Sheet1!Y10","v":38887.509851831877},{"$f":"Sheet1!AP10","v":46341.738431029706}]
["Salary","Separation Age","Savings Choice","Pension Choice","Second Choice","Savings Choice","Pension Choice","Second Choice",null,null,null,{"$f":"Sheet1!D12","v":163837.77983287067},{"$f":"Sheet1!A12","v":42},{"$f":"Sheet1!AB12","v":0.12119321424728939},{"$f":"Sheet1!AA12","v":0.10688416644841689},{"$f":"Sheet1!AC12","v":0.11725996759457039},{"$f":"Sheet1!Q12","v":60346.128326702863},{"$f":"Sheet1!Y12","v":53221.177973114907},{"$f":"Sheet1!AP12","v":58387.634126184006}]
[100000,33,0,0,0,0,0,0,null,null,null,{"$f":"Sheet1!D13","v":172848.85772367852},{"$f":"Sheet1!A13","v":43},{"$f":"Sheet1!AB13","v":0.13395475736496631},{"$f":"Sheet1!AA13","v":0.12264933947170893},{"$f":"Sheet1!AC13","v":0.13055077398515508},{"$f":"Sheet1!Q13","v":66700.524679742142},{"$f":"Sheet1!Y13","v":61071.181459407744},{"$f":"Sheet1!AP13","v":65005.568248923264}]
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[]
["Hire Age","Start Salary","interest","inflation","Minimum retirement age","Age Factor","UC Pension COLA","2nd Choice Start Must be between 5 and 10 years","Annuity End Age",null,null,null,null,null,null,null,"Faculty = 1 or Staff (Faculty=0)"]
[{"$f":"Home_Page!D4","v":33},{"$f":"Home_Page!D6","v":100000},{"$f":"Home_Page!I3/100","v":6.7500000000000004E-2},{"$f":"Home_Page!I5/100","v":2.5000000000000001E-2},{"$f":"Home_Page!D9","v":65},{"$f":"0.018 + IF(AND($E$53>60,$E$53<65),0.0014*($E$53-60)) + IF($E$53>64,(0.025-0.018),0)","v":2.5000000000000001E-2},{"$f":"MIN(D53,IF(D53<0.04,0.02,MIN(0.06,(0.02+0.75*(D53-0.04)))))","v":0.02},{"$f":"Home_Page!I7","v":6},{"$f":"Home_Page!I10","v":100},"Cells in Blue on this row should only be changed on the Home Page",null,null,null,null,null,null,{"$f":"IF(Home_Page!$D$3=\"YES\",1,0)","v":1}]
[]
["Entries in the next 5 rows, except for Row 57, should not be changed"]
[0.08,"UC contribution to savings"]
[{"$f":"(Home_Page!$I$2)/100","v":7.0000000000000007E-2},"UC Employee contribution to savings from Cell I2 on the Home Page"]
[{"$f":"VLOOKUP($E$53,A3:D50,4)","v":497933.22754497838},"Salary at retirement age (in cell $e$53)"]
[null,null,{"$f":"(1+$C$53)^(1/12)","v":1.0054581304569468},"Annual rate of return corresponding to receiving monthly savings increments"]
[null,null,{"$f":"C59^11+C59^10+C59^9+C59^8+C59^7+C59^6+C59^5+C59^4+C59^3+C59^2+C59+1","v":12.36687186802058},"Used to accumulate monthly savings increments"]
[]
["Each row corresponds to the situation at the start of the year for stock variables like savings balances"]
["Columns Q, Y, and AP give the expected annual payout from Savings Choice, Pension Choice, and Second Choice (with election at service year in cell $H$53)"]
["Each row from Service year 1 - 34 corresponds to separating at age given in row A and retiring at age Max(Age, Minimum Retirement Age in cell $E$53)"]
["All savings balances are converted to an annuity starting at Max(age in Col A, minimum retirement age in Cell $E$53) and ending at age in Cell $I$53 with payouts growing at the UC Pension COLA rate in cell $G$53"]
["The Replacement Ratios give the ratio of the pension payouts to projected UC salary in column D"]
[]
["Full descriptions of each column are given in:"]
["https://senate.universityofcalifornia.edu/_files/committees/tfir/excel-sheet-description.pdf"]