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In: Business and Management

Submitted By takyifran
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Besides the calculator described in your text, there are many online calculators. Some of the best are at www.dinkytown.net. Using a calculator not in the text, determine the amount you might need. Respond with the amount (if you'd like, but not required) and cite your source. Explain why you chose that particular one. If you use Dinkytown, explain why you chose the particular calculator you did.

My opinion on the use of whole life versus term life is conflicting. I could see either being beneficial. Seeing as I’m still young (31) I’d have to go with the Whole-Life Insurance, I’d want to set my premium and the potential to invest with the difference seems like a reasonable tradeoff for that higher premium.
I chose to look into the Retirement Nestegg Calculator on the site provided http://www.dinkytown.net/java/RetirementNestegg.html
I am continuously interested in my potential ability to save for retirement, how much, how little, how long…and the following is how it came out:
At my age not including my potential future income upon graduation…I can to a need of $4,758,977 by the age of 67, my target retirement age, meaning I have to start saving $1,392 per month to meet this goal….that is including the projected nestegg required after Social Security and current savings.
I think that $1,300+ is a do-able number for me…when I graduate and start working…..hopefully I’ll actually be able to do this…otherwise what is one to do? Work til they drop?
From my point view, whole life is much better. In general, I strongly believe they both have their own unique benefits in the eyes of the buyer. The Whole life policies have a living benefit, and a tax sheltered cash account that builds in the life of the policy. Holders of the whole life don’t pay on the gain each year, and that money can be used in retirement to supplement retirement planning. No such benefit is available with term insurance; it only has the actual life insurance coverage.…...

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