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Retail IPS - Return objective calc

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Hey there!

Am mucking up the return requirement - cant think straight any more!

Shouldn't one add any after-tax salary less living expenses to investible assets for the return objective calculation ? I understand in most cases, after-tax or before-tax salary/income is always equal to living expenses, so there is no investible asset to earn on. But where after-tax salary exceeds living expenses, should it be added to the Investible Assets figure ?

2) all immediate spending and liquidity needs go in the numerator / Investible assets, for the required return calculation - correct ?

Thanks very much
Aaliya




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