Quantext Retirement Planner (QRP) and Quantext Portfolio Planner (QPP) are portfolio planning tools for individual investors and for professional advisors.  These tools assist in planning for asset allocation and the future income draws that can be supported.  QPP and QRP combine Monte Carlo simulation with a range of sophisticated analytics to help investors develop the right portfolio. Many asset allocation tools simply look at historical behavior of portfolios.  The standard of practice in institutional finance, however, is forward-looking portfolio analysis.  QPP and QRP are forward-looking portfolio analysis tools. We discuss forward-looking models used by institutional investors and the consistency of a number of benchmark results to QPP and QRP in this article . QPP is the version of choice for most investors and advisors, limiting the adjustable parameters to those that most advisors or investors might have interest in varying.  QRP is designed to be licensed to financial advisors or individuals who want to be able to adjust all parameters, such as volatilities on individual assets.  QPP40 is an extended version of QPP that can handle up to 40 individual positions (more details below). We believe that QPP and QRP are the very best portfolio planning and asset allocation tools available--and we have performed numerous analyses and tests to demonstrate that this is the case.  We have a series of these studies available for your review.  One article that provides a broad overview is provided here . NOTE: Quantext is not a registered investment advisor.  No information on this website should be taken as advice to buy or sell any asset.  Any and all information obtained from Quantext is on an "AS IS" basis.  QPP and QRP provide: 1) the ability to see whether your basic financial plans are reasonable 2) the ability to determine whether you have a well-diversified portfolio 3) the ability to adjust a portfolio to get the best risk/return balance for specific needs   Read Comments From Users of Quantext Portfolio Planner and Quantext Retirement Planner

Comparison of Features

The table below shows a matrix that compares the features of QPP, QRP, and QPP40  Version  Maximum Number of Positions  Main Benefit  Source of Statistical Projection  Annual License Fee  QPP  20  Ease of use, speed  Quantext Forward Looking Simulation This is the forward-looking model used in all of our articles and research  $99  QPP40  40 (slower than QPP)  Larger portfolios  Quantext Forward Looking Simulation This is the forward-looking model used in all of our articles and research  $179 (bundled with QPP)  QRP  20, but up to 180 via an indirect method--quite time consuming  More flexibility  Quantext Forward Looking Simulation OR hand-adjusted parameters OR a combination of these The user can use the Forward-Looking parameters generated by the model, hand enter volatilities, Betas, or any combination of the two  $139 Based on the experience of our users, we suggest QPP for users who do not have more than this number of holdings in their portfolios.  QPP40 is for those users with larger numbers of positions.  QPP40 is considerably slower than QPP.  QRP is for those users who want additional flexibility to hand-adjust parameters like the volatilities and Betas of individual positions.  QRP is larger and slower than QPP.  QRP would only be a good choice for users who are comfortable with statistics.

Try QPP / License QPP

Try the software Risk Free until May 31, 2008 If you would like to try out one of our Monte Carlo planning tools, simply email: tryqpp@yahoo.com (note the new email).  Please put qpp in the subject line.  In your email include your name (first and last) and we will email back with instructions for downloading a fully operational version of the software.  All users of the software agree to be bound by our User Agreement . Please note that we have had considerable trouble with responding to your emails and getting responses lost to spam filters.  Please check your 'bulk email' folders.  The QPP software supports a portfolio with up to 20 positions (stocks, funds, ETF's) and performs a full Monte Carlo portfolio and income analysis.  QPP40 supports a portfolio of up to 40 individual positions.  You can have a look at the Quick Start Guide that accompanies this software to get a sense of what it will allow you to do.  If you wish to continue using the software after the end of the trial period, the basic license fee is $99 per year.  QPP and QRP can be purchased via secure online payment.  Purchase instructions and prices are available here .  QPP40 is now available for purchase or upgrades Read the Frequently Asked Questions about Quantext Portfolio Planner / Retirement Planner

Learning Resources

A series of articles on applying Quantext's Monte Carlo portfolio planning tools are available at the following links: Articles by Geoff Considine using Monte Carlo portfolio tools (on ETFInvestor.com and SeekingAlpha.com) Resources for Learning About Monte Carlo Models for Financial Planning We have started an email newsletter that provides alerts when new articles are published, commentary, and links to articles To subscribe to the newsletter, email to: news-subscribe@quantext.com