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RETIREMENT INVESTING TODAY: NS&I INDEX LINKED SAVINGS Regular readers of Retirement Investing Today will already know that I personally think National Savings and Investments (NS&I) Index Linked Savings Certificates are a good investment class and I currently hold 19.7% of my Low Charge Portfolio in them. RETIREMENT INVESTING TODAY: WHY I WON’T BE USING VANGUARD "So I'd not be surprised to see a blog post in 18 months time entitled 'Why I am using Vanguard wrappers'." I agree with you 100% on this. IfI was
RETIREMENT INVESTING TODAY If you were a trader on the financial markets, I’d think that you’ve probably had quite an interesting week. After all the S&P500 is down 11.5% (an official correction without even going back into the declines of the previous week), our FTSE100 is down 11.1%, the Nikkei225 is down a more modest 9.6% while the ASX200 is down 9.8%. RETIREMENT INVESTING TODAY: 2020 “Insanity is doing the same thing over and over and expecting different results” – not Albert Einstein as I always thought but actually Rita Mae Brown 2019 represented my first full year of FIRE, albeit with a slip-up back to FI during the year, which was then later corrected. Despite a lot of my pre-FIRE posts being financial in nature finances actually occupied very little of my mind RETIREMENT INVESTING TODAY: PERSPECTIVE If you were a trader on the financial markets, I’d think that you’ve probably had quite an interesting week. After all the S&P500 is down 11.5% (an official correction without even going back into the declines of the previous week), our FTSE100 is down 11.1%, the Nikkei225 is down a more modest 9.6% while the ASX200 is down 9.8%. RETIREMENT INVESTING TODAY: OBFUSCATION There is a lot of this going on. The pandemic is providing top cover for implementing change and doing unpopular things. It is a lot easier to ignore a few strongly worded emails from disgruntled locked down staff than it is to cross a picket line or shut out a RETIREMENT INVESTING TODAY: ANNUAL REBALANCING EXCEL Over on the excellent Monevator site the following question was posed by Gregory today: “You are an early retiree and have a portfolio of 875,000. You don’t follow the 5/25 rule but withdraw Your inflation adjusted money and rebalance Your portfolio once a year for example on Your birthday. RETIREMENT INVESTING TODAY: LENSES This is the chart that you’ll see on all the mainstream media channels and it shows that the FTSE 100 still has about 32% to fall if it’s going to match the worst of the global financial crisis (GFC). RETIREMENT INVESTING TODAY: MY LOW CHARGE PORTFOLIO I am now Financially Independent at age 45 and will retire in mid 2018.As soon as I reached that Financial Freedom I wrote a short simple book covering every tool and technique I used to get me there in under 9 years. The hope was that I could help others reach that liberating moment quickly. RETIREMENT INVESTING TODAY: VANGUARD LOWERS EXPENSES It seems to be getting too cheap. I hope it's not like Icelandic banks offering market leading interest rates for your money. I suppose there's some sort of arbitrage for them between you buying their funds and them buying the underlying assets, so the more money they hold themore they make.
RETIREMENT INVESTING TODAY: NS&I INDEX LINKED SAVINGS Regular readers of Retirement Investing Today will already know that I personally think National Savings and Investments (NS&I) Index Linked Savings Certificates are a good investment class and I currently hold 19.7% of my Low Charge Portfolio in them. RETIREMENT INVESTING TODAY: WHY I WON’T BE USING VANGUARD "So I'd not be surprised to see a blog post in 18 months time entitled 'Why I am using Vanguard wrappers'." I agree with you 100% on this. IfI was
RETIREMENT INVESTING TODAY: 2019 I was recently reading a FIRE blog post, from a couple who are still very much deep in the swim phase of the FIRE triathlon, where the post was exploring who in society has the opportunity to FIRE if they so choose. Of course as many of us FIRE bloggers love a good spreadsheet, the weapon of choice for exploring this was an Excel model and a whole pile of assumptions. RETIREMENT INVESTING TODAY: OBFUSCATION There is a lot of this going on. The pandemic is providing top cover for implementing change and doing unpopular things. It is a lot easier to ignore a few strongly worded emails from disgruntled locked down staff than it is to cross a picket line or shut out a RETIREMENT INVESTING TODAY: ABOUT Clearly we are not talking here about the basic concept of retiring early. Frankly I was given early retirement at age 52 but would have happily continued working even although certainly at that time I was well able to retire financially. RETIREMENT INVESTING TODAY: MARCH 2020 This is the chart that you’ll see on all the mainstream media channels and it shows that the FTSE 100 still has about 32% to fall if it’s going to match the worst of the global financial crisis (GFC). RETIREMENT INVESTING TODAY: LENSES This is the chart that you’ll see on all the mainstream media channels and it shows that the FTSE 100 still has about 32% to fall if it’s going to match the worst of the global financial crisis (GFC). RETIREMENT INVESTING TODAY: REBALANCING VS TAXES VS That is a portfolio that for me: has 3 years of expenses in cash which is where I want to be; is still 17% overweight in bonds but no opportunity to minimise expenses or taxes so no action planned unless the equity markets continue to fall triggering a rebalance RETIREMENT INVESTING TODAY: FEBRUARY 2020 If you were a trader on the financial markets, I’d think that you’ve probably had quite an interesting week. After all the S&P500 is down 11.5% (an official correction without even going back into the declines of the previous week), our FTSE100 is down 11.1%, the Nikkei225 is down a more modest 9.6% while the ASX200 is down 9.8%. RETIREMENT INVESTING TODAY: KEEP CALM AND CARRY ON These valuations have excited the talking heads with both Merryn Somerset Webb and Ken Fisher now starting to talk about valuations. My approach to all this is to just keep calm and carry on. I’m continuing to buy the worst performing asset class when money is available and if I hit a rebalancing band I’ll do exactly that. RETIREMENT INVESTING TODAY: 2009 To try and squeeze some more performance out of a retirement investing strategy that is heavily focused on asset allocation I am using a cyclically adjusted Price / Earnings (PE) ratio for the S&P 500 to attempt to value the US (specifically the S&P 500) Stock Market. RETIREMENT INVESTING TODAY: VALUING THE UK STOCK MARKET FTSE 100 Earnings As Reported Nominal Annual Earnings are currently 484, down from 498 a month ago and down 3.4% on this time last year. Worse this is also a flattering result as it doesn’t allow for devaluation through inflation. RETIREMENT INVESTING TODAY So let’s get the quantitative stuff out of the way. In my purist FIRE plan I was aiming to spend the lesser of: up to 2.5% of initial FIRE wealth plus investment expenses of around 0.2% uprated for inflation annually. For 2020 that gave me a drawdown target of around 26,084 plus investment expenses. up to 85% of my annual dividends. RETIREMENT INVESTING TODAY: DATA / CHARTS UK Mortgage Interest Rates. UK FTSE100 Cyclically Adjusted PE (PE10/CAPE) UK Real Gold. UK Savings Account Interest Rates. US Real Gold. US S&P500 Cyclically Adjusted PE (PE10 / CAPE) US Severe Stock Bear Markets. Australia ASX200 Cyclically Adjusted PE (PE10 / CAPE) Australian House Prices. RETIREMENT INVESTING TODAY: POPULAR POSTS The decision that you now have enough assets (The Retirement Number) in place to never have to work again is a crucial one. The 4% Rule could be an appropriate place to start your journey to calculate how big that Retirement Number needs to be but if you're a UK Investor that might be to bullish a Number.Once you've calculated that number check and double check it's enough, think about the RETIREMENT INVESTING TODAY: ANNUAL REBALANCING EXCEL Annual rebalancing Excel calculator. “You are an early retiree and have a portfolio of £875,000. You don’t follow the 5/25 rule but withdraw Your inflation adjusted money and rebalance Your portfolio once a year for example on Your birthday. On Your birthday You want to withdraw £27200. The current (£;%) and target asset allocations: RETIREMENT INVESTING TODAY: TOTO, I’VE A FEELING WE’RE NOT For 2020 that gave me a drawdown target of around £26,084 plus investment expenses. up to 85% of my annual dividends. Dividends were a car crash this year. Once the laggards make their final payments I expect them to be down around 29% year on year. For 2020 that gave me a drawdown target of around £19,848. RETIREMENT INVESTING TODAY: MY LOW CHARGE PORTFOLIO I am now Financially Independent at age 45 and will retire in mid 2018.As soon as I reached that Financial Freedom I wrote a short simple book covering every tool and technique I used to get me there in under 9 years. The hope was that I could help others reach that liberating moment quickly. RETIREMENT INVESTING TODAY: MY EARLY RETIREMENT FINANCIAL With FIRE now on the doorstep it’s time to finalise what my early retirement drawdown strategy and portfolio is going to look like. Firstly, let’s look at the strategy and portfolio that has put me where I am today. I first published it in detail in 2009 and then polished it slightly in 2012.In brief it was about building significant wealth (at least for me) in quick time. RETIREMENT INVESTING TODAY: MY FIRE NUMBER Today Excel tells me my early retirement number is £1,011,034. To avoid discussions about me being obsessive compulsive let’s do a little rounding - I will be financially independent and have the option of early retirement with wealth of one million pounds. My journey to the million is shown in the chart below. I think the 4%Rule is far too
RETIREMENT INVESTING TODAY: WHY I WON’T BE USING VANGUARD "So I'd not be surprised to see a blog post in 18 months time entitled 'Why I am using Vanguard wrappers'." I agree with you 100% on this. IfI was
RETIREMENT INVESTING TODAY: ERRORS EVERYWHERE BUT I DID On my FIRE journey so far I've found that Saving (Earning minus Spending) has been one of the most powerful accelerators towards FIRE. To demonstrate to the end of February 2016 68% of my wealth creation has come from Saving while only 32% has come from Investment Return. RETIREMENT INVESTING TODAY So let’s get the quantitative stuff out of the way. In my purist FIRE plan I was aiming to spend the lesser of: up to 2.5% of initial FIRE wealth plus investment expenses of around 0.2% uprated for inflation annually. For 2020 that gave me a drawdown target of around 26,084 plus investment expenses. up to 85% of my annual dividends. RETIREMENT INVESTING TODAY: DATA / CHARTS UK Mortgage Interest Rates. UK FTSE100 Cyclically Adjusted PE (PE10/CAPE) UK Real Gold. UK Savings Account Interest Rates. US Real Gold. US S&P500 Cyclically Adjusted PE (PE10 / CAPE) US Severe Stock Bear Markets. Australia ASX200 Cyclically Adjusted PE (PE10 / CAPE) Australian House Prices. RETIREMENT INVESTING TODAY: POPULAR POSTS The decision that you now have enough assets (The Retirement Number) in place to never have to work again is a crucial one. The 4% Rule could be an appropriate place to start your journey to calculate how big that Retirement Number needs to be but if you're a UK Investor that might be to bullish a Number.Once you've calculated that number check and double check it's enough, think about the RETIREMENT INVESTING TODAY: ANNUAL REBALANCING EXCEL Annual rebalancing Excel calculator. “You are an early retiree and have a portfolio of £875,000. You don’t follow the 5/25 rule but withdraw Your inflation adjusted money and rebalance Your portfolio once a year for example on Your birthday. On Your birthday You want to withdraw £27200. The current (£;%) and target asset allocations: RETIREMENT INVESTING TODAY: TOTO, I’VE A FEELING WE’RE NOT For 2020 that gave me a drawdown target of around £26,084 plus investment expenses. up to 85% of my annual dividends. Dividends were a car crash this year. Once the laggards make their final payments I expect them to be down around 29% year on year. For 2020 that gave me a drawdown target of around £19,848. RETIREMENT INVESTING TODAY: MY LOW CHARGE PORTFOLIO I am now Financially Independent at age 45 and will retire in mid 2018.As soon as I reached that Financial Freedom I wrote a short simple book covering every tool and technique I used to get me there in under 9 years. The hope was that I could help others reach that liberating moment quickly. RETIREMENT INVESTING TODAY: MY EARLY RETIREMENT FINANCIAL With FIRE now on the doorstep it’s time to finalise what my early retirement drawdown strategy and portfolio is going to look like. Firstly, let’s look at the strategy and portfolio that has put me where I am today. I first published it in detail in 2009 and then polished it slightly in 2012.In brief it was about building significant wealth (at least for me) in quick time. RETIREMENT INVESTING TODAY: MY FIRE NUMBER Today Excel tells me my early retirement number is £1,011,034. To avoid discussions about me being obsessive compulsive let’s do a little rounding - I will be financially independent and have the option of early retirement with wealth of one million pounds. My journey to the million is shown in the chart below. I think the 4%Rule is far too
RETIREMENT INVESTING TODAY: WHY I WON’T BE USING VANGUARD "So I'd not be surprised to see a blog post in 18 months time entitled 'Why I am using Vanguard wrappers'." I agree with you 100% on this. IfI was
RETIREMENT INVESTING TODAY: ERRORS EVERYWHERE BUT I DID On my FIRE journey so far I've found that Saving (Earning minus Spending) has been one of the most powerful accelerators towards FIRE. To demonstrate to the end of February 2016 68% of my wealth creation has come from Saving while only 32% has come from Investment Return. RETIREMENT INVESTING TODAY: DATA / CHARTS UK Mortgage Interest Rates. UK FTSE100 Cyclically Adjusted PE (PE10/CAPE) UK Real Gold. UK Savings Account Interest Rates. US Real Gold. US S&P500 Cyclically Adjusted PE (PE10 / CAPE) US Severe Stock Bear Markets. Australia ASX200 Cyclically Adjusted PE (PE10 / CAPE) Australian House Prices. RETIREMENT INVESTING TODAY: ABOUT About. I'm a 45 year old Average Joe who after becoming disillusioned with the Financial Sector and with no financial training became a DIY saver and investor in 2007. I started this blog in 2009 to hold myself accountable to 6 simple words - Save Hard, Invest Wisely, Retire Early. Living these words enabled me to reach Financial Independence RETIREMENT INVESTING TODAY: OBFUSCATION There is a lot of this going on. The pandemic is providing top cover for implementing change and doing unpopular things. It is a lot easier to ignore a few strongly worded emails from disgruntled locked down staff than it is to cross a picket line or shut out a RETIREMENT INVESTING TODAY: PERSPECTIVE Perspective. If you were a trader on the financial markets, I’d think that you’ve probably had quite an interesting week. After all the S&P500 is down 11.5% (an official correction without even going back into the declines of the previous week), our FTSE100 is down 11.1%, the Nikkei225 is down a more modest 9.6% while the ASX200 isdown 9.8%.
RETIREMENT INVESTING TODAY: LENSES This is the chart that you’ll see on all the mainstream media channels and it shows that the FTSE 100 still has about 32% to fall if it’s going to match the worst of the global financial crisis (GFC). RETIREMENT INVESTING TODAY: KISS INVESTING FOR RETIREMENT This has to be the best UK personal finance book I have read to date and formed the basis of my own Retirement Investing Today portfolio. 4. Make a plan and decide on Investment Mix. I believe you become who you think you are. If you make a detailed plan and believe in it then you have a much better chance of achieving it than somebody who says RETIREMENT INVESTING TODAY: SNAKES AND LADDERS Well it looks like asset prices don’t always go up. Of course I’m not surprised by this revelation but the mainstream media did seem surprised with headlines such as “Dow loses 7 million points in the session” and “Worst market performance since dinosaurs roamed the earth” but then of course they need sensationalism as they’reattention seeking.
RETIREMENT INVESTING TODAY: BULLS, BEARS AND THE 200 DAY Hi Faustus To try and eliminate some of the whipsaws I just ran a simulation for the FTSE 100 starting with a buy back in August 1985. I went one step further and instead of falls remaining below the 200 dma for a week or two I looked RETIREMENT INVESTING TODAY: ERRORS EVERYWHERE BUT I DID On my FIRE journey so far I've found that Saving (Earning minus Spending) has been one of the most powerful accelerators towards FIRE. To demonstrate to the end of February 2016 68% of my wealth creation has come from Saving while only 32% has come from Investment Return. RETIREMENT INVESTING TODAY: 2009 To try and squeeze some more performance out of a retirement investing strategy that is heavily focused on asset allocation I am using a cyclically adjusted Price / Earnings (PE) ratio for the S&P 500 to attempt to value the US (specifically the S&P 500) Stock Market. RETIREMENT INVESTING TODAY So let’s get the quantitative stuff out of the way. In my purist FIRE plan I was aiming to spend the lesser of: up to 2.5% of initial FIRE wealth plus investment expenses of around 0.2% uprated for inflation annually. For 2020 that gave me a drawdown target of around 26,084 plus investment expenses. up to 85% of my annual dividends. RETIREMENT INVESTING TODAY: 2020 The UK 2019/20 capital gains tax annual exempt amount is £12,000. It’s also worth adding that I believe if you sell assets worth more than £48,000 or have gains before taking off losses of £12,000 then you will also have to complete the tax return capital gains summary pages. Not a financial negative but a time waste worth avoiding if it RETIREMENT INVESTING TODAY: 2021 Usually at this time of year I publish a year in review which covers a little of the qualitative and a lot of the quantitative. Given the year we’ve just had, along with quantitative needs now being significantly lessened given the stage of my FIRE life I’m currently in, I feel it’s worthy to flip that weighting as it really has been a year to both remember and to forget. RETIREMENT INVESTING TODAY: OBFUSCATION There is a lot of this going on. The pandemic is providing top cover for implementing change and doing unpopular things. It is a lot easier to ignore a few strongly worded emails from disgruntled locked down staff than it is to cross a picket line or shut out a RETIREMENT INVESTING TODAY: REBALANCING VS TAXES VS That is a portfolio that for me: has 3 years of expenses in cash which is where I want to be; is still 17% overweight in bonds but no opportunity to minimise expenses or taxes so no action planned unless the equity markets continue to fall triggering a rebalance RETIREMENT INVESTING TODAY: ANNUAL REBALANCING EXCEL Annual rebalancing Excel calculator. “You are an early retiree and have a portfolio of £875,000. You don’t follow the 5/25 rule but withdraw Your inflation adjusted money and rebalance Your portfolio once a year for example on Your birthday. On Your birthday You want to withdraw £27200. The current (£;%) and target asset allocations: RETIREMENT INVESTING TODAY: MY LOW CHARGE PORTFOLIO I am now Financially Independent at age 45 and will retire in mid 2018.As soon as I reached that Financial Freedom I wrote a short simple book covering every tool and technique I used to get me there in under 9 years. The hope was that I could help others reach that liberating moment quickly. RETIREMENT INVESTING TODAY: LENSES This is the chart that you’ll see on all the mainstream media channels and it shows that the FTSE 100 still has about 32% to fall if it’s going to match the worst of the global financial crisis (GFC). RETIREMENT INVESTING TODAY: WHY I WON’T BE USING VANGUARD "So I'd not be surprised to see a blog post in 18 months time entitled 'Why I am using Vanguard wrappers'." I agree with you 100% on this. IfI was
RETIREMENT INVESTING TODAY: NS&I INDEX LINKED SAVINGS Regular readers of Retirement Investing Today will already know that I personally think National Savings and Investments (NS&I) Index Linked Savings Certificates are a good investment class and I currently hold 19.7% of my Low Charge Portfolio in them. RETIREMENT INVESTING TODAY So let’s get the quantitative stuff out of the way. In my purist FIRE plan I was aiming to spend the lesser of: up to 2.5% of initial FIRE wealth plus investment expenses of around 0.2% uprated for inflation annually. For 2020 that gave me a drawdown target of around 26,084 plus investment expenses. up to 85% of my annual dividends. RETIREMENT INVESTING TODAY: 2020 The UK 2019/20 capital gains tax annual exempt amount is £12,000. It’s also worth adding that I believe if you sell assets worth more than £48,000 or have gains before taking off losses of £12,000 then you will also have to complete the tax return capital gains summary pages. Not a financial negative but a time waste worth avoiding if it RETIREMENT INVESTING TODAY: 2021 Usually at this time of year I publish a year in review which covers a little of the qualitative and a lot of the quantitative. Given the year we’ve just had, along with quantitative needs now being significantly lessened given the stage of my FIRE life I’m currently in, I feel it’s worthy to flip that weighting as it really has been a year to both remember and to forget. RETIREMENT INVESTING TODAY: OBFUSCATION There is a lot of this going on. The pandemic is providing top cover for implementing change and doing unpopular things. It is a lot easier to ignore a few strongly worded emails from disgruntled locked down staff than it is to cross a picket line or shut out a RETIREMENT INVESTING TODAY: REBALANCING VS TAXES VS That is a portfolio that for me: has 3 years of expenses in cash which is where I want to be; is still 17% overweight in bonds but no opportunity to minimise expenses or taxes so no action planned unless the equity markets continue to fall triggering a rebalance RETIREMENT INVESTING TODAY: 2020 The UK 2019/20 capital gains tax annual exempt amount is £12,000. It’s also worth adding that I believe if you sell assets worth more than £48,000 or have gains before taking off losses of £12,000 then you will also have to complete the tax return capital gains summary pages. Not a financial negative but a time waste worth avoiding if it RETIREMENT INVESTING TODAY: 2021 Usually at this time of year I publish a year in review which covers a little of the qualitative and a lot of the quantitative. Given the year we’ve just had, along with quantitative needs now being significantly lessened given the stage of my FIRE life I’m currently in, I feel it’s worthy to flip that weighting as it really has been a year to both remember and to forget. RETIREMENT INVESTING TODAY: DATA / CHARTS UK Mortgage Interest Rates. UK FTSE100 Cyclically Adjusted PE (PE10/CAPE) UK Real Gold. UK Savings Account Interest Rates. US Real Gold. US S&P500 Cyclically Adjusted PE (PE10 / CAPE) US Severe Stock Bear Markets. Australia ASX200 Cyclically Adjusted PE (PE10 / CAPE) Australian House Prices. RETIREMENT INVESTING TODAY: POPULAR POSTS The decision that you now have enough assets (The Retirement Number) in place to never have to work again is a crucial one. The 4% Rule could be an appropriate place to start your journey to calculate how big that Retirement Number needs to be but if you're a UK Investor that might be to bullish a Number.Once you've calculated that number check and double check it's enough, think about the RETIREMENT INVESTING TODAY: OBFUSCATION There is a lot of this going on. The pandemic is providing top cover for implementing change and doing unpopular things. It is a lot easier to ignore a few strongly worded emails from disgruntled locked down staff than it is to cross a picket line or shut out a RETIREMENT INVESTING TODAY: PERSPECTIVE Perspective. If you were a trader on the financial markets, I’d think that you’ve probably had quite an interesting week. After all the S&P500 is down 11.5% (an official correction without even going back into the declines of the previous week), our FTSE100 is down 11.1%, the Nikkei225 is down a more modest 9.6% while the ASX200 isdown 9.8%.
RETIREMENT INVESTING TODAY: MARCH 2020 This is the chart that you’ll see on all the mainstream media channels and it shows that the FTSE 100 still has about 32% to fall if it’s going to match the worst of the global financial crisis (GFC). RETIREMENT INVESTING TODAY: LENSES This is the chart that you’ll see on all the mainstream media channels and it shows that the FTSE 100 still has about 32% to fall if it’s going to match the worst of the global financial crisis (GFC). RETIREMENT INVESTING TODAY: INVESTING EXPENSES A search on Google for passive investing vs active investing yields 1,330,000 results with plenty of support on both sides of the fence. In brief passive investing is a method where you buy an investment product that simply tracks an index. RETIREMENT INVESTING TODAY: KEEP CALM AND CARRY ON These valuations have excited the talking heads with both Merryn Somerset Webb and Ken Fisher now starting to talk about valuations. My approach to all this is to just keep calm and carry on. I’m continuing to buy the worst performing asset class when money is available and if I hit a rebalancing band I’ll do exactly that. RETIREMENT INVESTING TODAY If you were a trader on the financial markets, I’d think that you’ve probably had quite an interesting week. After all the S&P500 is down 11.5% (an official correction without even going back into the declines of the previous week), our FTSE100 is down 11.1%, the Nikkei225 is down a more modest 9.6% while the ASX200 is down 9.8%. RETIREMENT INVESTING TODAY: 2020 “Insanity is doing the same thing over and over and expecting different results” – not Albert Einstein as I always thought but actually Rita Mae Brown 2019 represented my first full year of FIRE, albeit with a slip-up back to FI during the year, which was then later corrected. Despite a lot of my pre-FIRE posts being financial in nature finances actually occupied very little of my mind RETIREMENT INVESTING TODAY: OBFUSCATION There is a lot of this going on. The pandemic is providing top cover for implementing change and doing unpopular things. It is a lot easier to ignore a few strongly worded emails from disgruntled locked down staff than it is to cross a picket line or shut out a RETIREMENT INVESTING TODAY: 2021 Usually at this time of year I publish a year in review which covers a little of the qualitative and a lot of the quantitative. Given the year we’ve just had, along with quantitative needs now being significantly lessened given the stage of my FIRE life I’m currently in, I feel it’s worthy to flip that weighting as it really has been a year to both remember and to forget. RETIREMENT INVESTING TODAY: POPULAR POSTSRETIREMENT INVESTING FOR BEGINNERSINVESTING AND RETIREMENT QUIZLETINVESTING DURING RETIREMENTINVESTING IN RETIREMENT STRATEGIES The decision that you now have enough assets (The Retirement Number) in place to never have to work again is a crucial one. The 4% Rule could be an appropriate place to start your journey to calculate how big that Retirement Number needs to be but if you're a UK Investor that might be to bullish a Number.Once you've calculated that number check and double check it's enough, think about the RETIREMENT INVESTING TODAY: PERSPECTIVE If you were a trader on the financial markets, I’d think that you’ve probably had quite an interesting week. After all the S&P500 is down 11.5% (an official correction without even going back into the declines of the previous week), our FTSE100 is down 11.1%, the Nikkei225 is down a more modest 9.6% while the ASX200 is down 9.8%. RETIREMENT INVESTING TODAY: ANNUAL REBALANCING EXCEL Over on the excellent Monevator site the following question was posed by Gregory today: “You are an early retiree and have a portfolio of 875,000. You don’t follow the 5/25 rule but withdraw Your inflation adjusted money and rebalance Your portfolio once a year for example on Your birthday. RETIREMENT INVESTING TODAY: WHY I WON’T BE USING VANGUARD "So I'd not be surprised to see a blog post in 18 months time entitled 'Why I am using Vanguard wrappers'." I agree with you 100% on this. IfI was
RETIREMENT INVESTING TODAY: NS&I INDEX LINKED SAVINGS Regular readers of Retirement Investing Today will already know that I personally think National Savings and Investments (NS&I) Index Linked Savings Certificates are a good investment class and I currently hold 19.7% of my Low Charge Portfolio in them. RETIREMENT INVESTING TODAY: 2009 To try and squeeze some more performance out of a retirement investing strategy that is heavily focused on asset allocation I am using a cyclically adjusted Price / Earnings (PE) ratio for the S&P 500 to attempt to value the US (specifically the S&P 500) Stock Market. RETIREMENT INVESTING TODAY If you were a trader on the financial markets, I’d think that you’ve probably had quite an interesting week. After all the S&P500 is down 11.5% (an official correction without even going back into the declines of the previous week), our FTSE100 is down 11.1%, the Nikkei225 is down a more modest 9.6% while the ASX200 is down 9.8%. RETIREMENT INVESTING TODAY: 2020 “Insanity is doing the same thing over and over and expecting different results” – not Albert Einstein as I always thought but actually Rita Mae Brown 2019 represented my first full year of FIRE, albeit with a slip-up back to FI during the year, which was then later corrected. Despite a lot of my pre-FIRE posts being financial in nature finances actually occupied very little of my mind RETIREMENT INVESTING TODAY: OBFUSCATION There is a lot of this going on. The pandemic is providing top cover for implementing change and doing unpopular things. It is a lot easier to ignore a few strongly worded emails from disgruntled locked down staff than it is to cross a picket line or shut out a RETIREMENT INVESTING TODAY: 2021 Usually at this time of year I publish a year in review which covers a little of the qualitative and a lot of the quantitative. Given the year we’ve just had, along with quantitative needs now being significantly lessened given the stage of my FIRE life I’m currently in, I feel it’s worthy to flip that weighting as it really has been a year to both remember and to forget. RETIREMENT INVESTING TODAY: POPULAR POSTSRETIREMENT INVESTING FOR BEGINNERSINVESTING AND RETIREMENT QUIZLETINVESTING DURING RETIREMENTINVESTING IN RETIREMENT STRATEGIES The decision that you now have enough assets (The Retirement Number) in place to never have to work again is a crucial one. The 4% Rule could be an appropriate place to start your journey to calculate how big that Retirement Number needs to be but if you're a UK Investor that might be to bullish a Number.Once you've calculated that number check and double check it's enough, think about the RETIREMENT INVESTING TODAY: PERSPECTIVE If you were a trader on the financial markets, I’d think that you’ve probably had quite an interesting week. After all the S&P500 is down 11.5% (an official correction without even going back into the declines of the previous week), our FTSE100 is down 11.1%, the Nikkei225 is down a more modest 9.6% while the ASX200 is down 9.8%. RETIREMENT INVESTING TODAY: ANNUAL REBALANCING EXCEL Over on the excellent Monevator site the following question was posed by Gregory today: “You are an early retiree and have a portfolio of 875,000. You don’t follow the 5/25 rule but withdraw Your inflation adjusted money and rebalance Your portfolio once a year for example on Your birthday. RETIREMENT INVESTING TODAY: WHY I WON’T BE USING VANGUARD "So I'd not be surprised to see a blog post in 18 months time entitled 'Why I am using Vanguard wrappers'." I agree with you 100% on this. IfI was
RETIREMENT INVESTING TODAY: NS&I INDEX LINKED SAVINGS Regular readers of Retirement Investing Today will already know that I personally think National Savings and Investments (NS&I) Index Linked Savings Certificates are a good investment class and I currently hold 19.7% of my Low Charge Portfolio in them. RETIREMENT INVESTING TODAY: 2009 To try and squeeze some more performance out of a retirement investing strategy that is heavily focused on asset allocation I am using a cyclically adjusted Price / Earnings (PE) ratio for the S&P 500 to attempt to value the US (specifically the S&P 500) Stock Market. RETIREMENT INVESTING TODAY: 2020 If you were a trader on the financial markets, I’d think that you’ve probably had quite an interesting week. After all the S&P500 is down 11.5% (an official correction without even going back into the declines of the previous week), our FTSE100 is down 11.1%, the Nikkei225 is down a more modest 9.6% while the ASX200 is down 9.8%. RETIREMENT INVESTING TODAY: 2021 Usually at this time of year I publish a year in review which covers a little of the qualitative and a lot of the quantitative. Given the year we’ve just had, along with quantitative needs now being significantly lessened given the stage of my FIRE life I’m currently in, I feel it’s worthy to flip that weighting as it really has been a year to both remember and to forget. RETIREMENT INVESTING TODAY: DATA / CHARTS Save Hard, Invest Wisely, Retire Early - My strategy for financial independence and early retirement (FIRE) RETIREMENT INVESTING TODAY: MAY 2020 I’m not sure if it’s the COVID-19 lockdown affecting me, or whether this is really a thing, but over the past month or so I’ve started to really notice companies stretching their take on integrity. RETIREMENT INVESTING TODAY: MY LOW CHARGE PORTFOLIO I am now Financially Independent at age 45 and will retire in mid 2018.As soon as I reached that Financial Freedom I wrote a short simple book covering every tool and technique I used to get me there in under 9 years. The hope was that I could help others reach that liberating moment quickly. RETIREMENT INVESTING TODAY: LENSES This is the chart that you’ll see on all the mainstream media channels and it shows that the FTSE 100 still has about 32% to fall if it’s going to match the worst of the global financial crisis (GFC). RETIREMENT INVESTING TODAY: 2019 HYP REVIEW It’s now a little over 8 years ago that I started to build my UK High Yield Portfolio (HYP). It was a much talked about strategy back in the Motley Fool forum days and today still gets plenty of attention on the Lemon Fool forums today.I built the portfolio between November 2011 and July 2015 by which time I’d amassed 17 shares acrossmultiple sectors.
RETIREMENT INVESTING TODAY: MY EARLY RETIREMENT FINANCIAL With FIRE now on the doorstep it’s time to finalise what my early retirement drawdown strategy and portfolio is going to look like. Firstly, let’s look at the strategy and portfolio that has put me where I am today. I first published it in detail in 2009 and then polished it slightly in 2012.In brief it was about building significant wealth (at least for me) in quick time. RETIREMENT INVESTING TODAY: VANGUARD LOWERS EXPENSES It seems to be getting too cheap. I hope it's not like Icelandic banks offering market leading interest rates for your money. I suppose there's some sort of arbitrage for them between you buying their funds and them buying the underlying assets, so the more money they hold themore they make.
RETIREMENT INVESTING TODAY: 2011 The S&P500 is today yielding somewhere around 1.8% per annum. This doesn’t sound like a lot and indeed it isn’t if the investment amount is small. To demonstrate this let’s say an Average Joe had an index tracking (to keep fund fees down) S&P 500 fund/ETF with £1,000 in it today. Having bought a year ago he would have accrued somewhere around £18 (ignoring fees and taxes) in dividendsPAGES
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FRIDAY, 25 OCTOBER 2019 VANGUARD LOWERS EXPENSES If you’re a UK based investor who’s interested in keeping investment expenses low then it’s highly likely that you’re using Vanguard index and exchange traded funds (ETFs). If that’s you then on Wednesday there was some good news with Vanguard lowering many of the annual expenses associated with these funds. Full details are here which contains a list of the OCF reductions.
Click for full post... Labels: investing expenses Posted by RetirementInvestingTodayat 19:54:00
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FRIDAY, 4 OCTOBER 2019 HUMAN BEING AND A 2019 Q3 REVIEWAt
the end of June
I
concluded that a potentially positive step forward on my FIRE journey was to focus on being a ‘human being’ rather than a ‘human doing’ for a while. No action plans, no agendas, no need to be busy... During this time I woke when my body was ready, enjoyed a non-time limited breakfast, took advantage of the British summer by spending as much time outdoors exercising as possible, read and even just spent time reflecting. No contribution was made to the world but at the same time nobody was harmed in the making of this drama. I just was. At the start I admit it was incredibly difficult but amazingly as time went on my body and mind really started to accept what was happening and even change for the better. Importantly I’ve also now started to hear and see things about the world I’ve never really noticed before. In a good way. As summer then started to fade bags were packed and time was spent in a far flung land. It sounds so easy and not so different from what many do in the summer, which is take a summer holiday, but this time it was different as it was for a month which not that long ago it would have been impossible for me to do given my job. Time was spent with some long lost potentially meaningful friends and family which was surreal, educational and importantly thoroughly enjoyable. At one end of the spectrum an old friend had cried enough and is in the process of rapidly downshifting his life. He’s already sold his mortgaged detached home and bought a townhouse, got rid of the car loan and instead has gone for something 10 years old, retrained into a career that pays about a quarter of what he was earning and amongst all this I’ve never seen anyone more happy and positive. At the other end of the spectrum time was spent with a family member who is frantically trying to climb the greasy career pole and doing everything a good consumerist should be doing. He has the massive mortgage, 2 smart executive lease cars, every branded item you can imagine, amazingly every TV/music streaming option I know about plus one I didn’t and a willingness to drive 10 minutes out of the way for a coffee at his favourite place rather than making a fantastic one at home with his posh coffee machine.
Oh and to go with that his job (work?) has just been put at risk. I’ve never seen anyone looking so haggard and tired. The parallels between the two were so surreal as to be quite disturbing and they certainly helped me further cement what’s important going forwards. It also made me truly thankful for what I have done as that family member could so easily have been me if I hadn’t pursued FIRE. Within an hour or so of that meaningful friend we have also identified a possible FIRE location where we could build ourselves a dream home so some time was spent understanding land prices and getting some building quotes. The good news is that we have plenty of wealth to move this idea forward. _Click to enlarge, Not sure my finger would be as green as this potential neighbour_ Click for full post... Labels: My Performance Posted by RetirementInvestingTodayat 13:47:00
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FRIDAY, 2 AUGUST 2019 REFIRE AND A 2019 HALF 1 REVIEW A few months after returning to my industry, albeit in a different role in the pursuit of meaningful work, I’ve left the company and am back to FIRE. Soon after joining it became very obvious that while there were some pieces of meaningful work (where I define work as something you do for purpose) the vast majority of what I was going to be doing was just a job (which I define as something you do because you need the money) and right now I don’t need a job. The excellent tool over at Engaging Dataclearly
shows that provided history rhymes my biggest risk now isn’t running out of money but running out of life. _Click to enlarge, Is the risk running out of money or running out oflife_
Reflecting on this I think a few themes are emerging... Firstly, some people can learn by brainstorming or thinking while some people learn by trystorming or doing. I now see that I learn the best when I can do the second. So going forwards I need to always find ways of experimenting before going all in. Secondly, I deliberately went back to a similar role that I had done a number of years previously which at the time I felt was the highest level of meaningful work I had ever experienced. Living it again enabled me to see that the role, my industry and my own needs had changed beyond recognition and at some point, much like the boiled frog, my meaningful work / career had actually predominantly become just a job with me just not noticing. Reflecting on this change... I originally pursued FIRE as back in 2007 I saw some changes starting to occur that made me think my job at the time would eventually be outsourced to a low cost country. Faced with no job I came up with the choices of FIRE or retrain into a new career. I took on FIRE. Looking now at what had forced many of the changes to my industry, making me also now incompatible, it was largely driven by what I initially saw. That is globalisation requiring extreme cost reduction and reduced quality achieved by investment reduction, partly achieved by outsourcing, while at the same time ramping expectations far faster than answers could be found. So while the changes occurring didn’t directly take my job directly by the time I FIREd they certainly helped reduce the level ofmeaningful work.
Click for full post... Labels: My Performance Posted by RetirementInvestingTodayat 15:51:00
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SATURDAY, 20 JULY 2019 SOBERING RETIREMENT INCOME DRAWDOWN DEMONSTRATIONS – 12.5 YEARS IN Another year has passed for our UK early retiree. A year ago I wrote that in the worlds biggest economy, the United States, Donald Trump was starting trade wars and the S&P500 cyclically adjusted price earnings (CAPE) ratio was sitting at 32.0 against a long run average of 16.9. A year on it’s almost déjà vu with the trade war with China still rumbling along and the S&P500 still on a high 30.4. Closer to home I wrote that we had a Brexit shambles playing out in slow motion that might just ruin the economy for a long time. A year on and the whole Brexit situation has moved on to become a joke with politicians continuing to promise unicorns while the FTSE100 has fallen 2.8% in nominal terms. Of course dividends continued to be paid which will have dampened that fall. Against this environment it’s unlikely a UK early retiree who has opted for a higher withdrawal rate will be dancing for joy but let’stake a look.
This update of the drawdown demonstrations now has our retiree some 12.5 years in to retirement. It assumes our retiree is not one of the lucky ones sitting on a defined benefit pension (although it’s likely they’d need some other income source in the early years if they’re going to FIRE), isn’t intending to buy an annuity (again, not likely for the early years of FIRE) and isn’t planning on living off the State Pension (although 12.5 years in to retirement our UK retiree might just be starting to get to an age where there might be some predictability in what they might receive here so they might want to start baking a portion into their models). We are now fast approaching the half way mark that the 4% rule is based upon and this simulation assumes retirement was taken on the 31 December 2006. If this date sounds convenient then you’re right. The date was deliberately chosen as it is the year prior to the commencement of the global financial crisis and so hopefully represents a modern worst case. Someday it may even go down in history as one of the time periods which saw a poor sequence ofreturns
however of course that will only become clear when we are firmly looking in the rear view mirror many years hence. Click for full post...Labels: pension
,
retirement
Posted by RetirementInvestingTodayat 14:30:00
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SUNDAY, 14 JULY 2019PF101
Personal Finance is a major hobby of mine. I’ve now been absorbing everything I can about saving, investing and financial independence since late 2007. In November this year I will have also been blogging about it for 10 years! When I go on holidays I’m also the one reading Wall Street Revalued and not that latest John Grisham novel In my last post I mentioned the Ikigai model and if I apply that to personal finance I get the following... _Click to enlarge_, SourceWhat you LOVE:
* Sad I know, but I never have to force myself to read a personal finance book, read the latest post from great blogs like Monevator or fire up Excel on my steam driven laptop. In fact it’s the opposite for me. I gravitate to this stuff so yes I’d say I love it. * If I think about my previous (and even current to some extent) work/job I also used to love enabling others with training, coaching, process improvement and then with light touch sitting back watching them succeed. I always took little satisfaction out of my own success but I took a huge amount of satisfaction out of watching my team succeed over and over. I think this is why I’ve also stayed blogging for so long. What you are GOOD AT: * I am reasonably good at maths and now have more than 10 years of personal finance knowledge under my belt. Sure, I’ve made mistakes and I’m sure will continue to do so but on the whole I think I’ve managed to get more things right than wrong. I don’t think I would have achieved financial independence in 8.7 years if that wasn’t the case. So yes, I’d say I’m good at it. * In my previous day job I was also pretty good at teaching and developing others to succeed. In some of my later roles it would have been impossible for me to do my job well if that wasn’t thecase.
* While not being a fantastic motivational speaker I am pretty confident in smaller training / workshop environments where on many occasions I’ve been successful in getting the message across. Click for full post... Posted by RetirementInvestingTodayat 11:01:00
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PROGRESS TO EARLY RETIREMENTSITES I READ
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Monevator
Weekend reading: General Winter1 day ago
*
Quietly Saving
October 2019 Savings, plus other updates1 day ago
*
Simple Living In Somerset Bear markets are a bastard when investing at a fixed time in life3 days ago
*
iretiredyoung
Early retirement travels - week 6 Colombia5 days ago
*
UK Value Investor
How to measure your portfolio’s returns (unit valuation system vs internal rate of return)1 week ago
*
diy investor (uk)
Vestas Wind - Portfolio Addition1 week ago
*
Malta: Moving on, up and away Meditation is my super power!1 week ago
*
theFIREstarter
random update – aka what the hell have I been up to over the last 3months!?
1 month ago
*
Mr. Money Mustache
Michael Burry Trashes Index Funds – Are We Screwed?1 month ago
*
liberate.life!
A good day
1 month ago
*
The Matrix Experiment Motorhomes: Investment Disasters…8 months ago
*
The Finance Zombie
2019 Goals and January 20198 months ago
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