Add the estimate of fixed income

You just calculated the total amount of money you have in the last exercise. Next, you want to calculate each of those columns separately, so you can track their changes over time. This breakdown of the values allows you to monitor for negative values in your future money.

To calculate Fixed Income Holding Year Beginning, you will use the pv() function to calculate the present value for that year. For the pv() use:

• rate: (1 + Return on Income * (1 - Ordinary Tax Rate)) / (1 + Inflation Rate) - 1
• number of periods Security Horizon cell - 1
• payment amount: - Annual Withdrawal in row 14
• leave future value blank and use 0 for end or beginning ,,0)