Financial Independence Daily FI discussion thread - July 04, 2020 |
- Daily FI discussion thread - July 04, 2020
- With many of us having a lot more free time due to the pandemic, has this changed your outlook on early retirement?
- Discussion: How pessimistic is a 2% SWR for an example 70/30 portfolio ?
| Daily FI discussion thread - July 04, 2020 Posted: 04 Jul 2020 01:07 AM PDT Please use this thread to have discussions which you don't feel warrant a new post to the sub. While the Rules for posting questions on the basics of personal finance/investing topics are relaxed a little bit here, the rules against memes/spam/self-promotion/excessive rudeness/politics still apply! Have a look at the FAQ for this subreddit before posting to see if your question is frequently asked. Since this post does tend to get busy, consider sorting the comments by "new" (instead of "best" or "top") to see the newest posts. [link] [comments]  |
| Posted: 04 Jul 2020 11:24 AM PDT My wife and I are now WFH since covid-19 and we have our young kids (5/10) home with us all day. We seem to have so much free time, house is immaculate, lots of unfinished projects done. Console games are being finished and lots of reading. But we are self isolating, so not seeing any friends, or going out to lunch. I guess I am getting a taste of early retirement but I am just not sure how I feel about it. I do realize I am spending next to nothing, and since my house is paid off, my bills are minimal. Looking for perspective from others. [link] [comments]  |
| Discussion: How pessimistic is a 2% SWR for an example 70/30 portfolio ? Posted: 04 Jul 2020 07:36 AM PDT Roughly speaking, there is the idea of a safe 4% SWR based on the Trinity Study and on historical US data over the last 100 years. (if I'm correct). However, there are reasons to believe that the future will not be so kind - more people, exhaustion of resources, ... - all underpinned by the current crisis. Therefore, I was considering of rescoping my idea on FI with a 2% SWR with a 70/30 stocks/bonds portfolio as an European citizen. This would mean I'd need to multiply my yearly expenses by 50 and invest that amount to be FI, correct? I'd like to have some discussion and viewpoints on this, and whether people could point me towards good sources, calculators, and so on, to correctly interpret whether this is too conservative or optimistic. [link] [comments]  |
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