Free Ebook.


« Star Money Articles for the Week of June 5 | Main | Star Money Articles for the Week of June 12 »

June 13, 2017

Comments

Feed You can follow this conversation by subscribing to the comment feed for this post.

Thanks for sharing. Good summary. I'd say the most often cited is the 4% SWR. Which I relatively agree with. I'm a bigger fan of VWR. I'm planning on hitting $250MM in my lifetime, and I don't plan on retiring. I'm big on FI, but not RE. I enjoy working.

I agree with your real estate comment, Mr. FMF. It makes a lot more sense to diversify and earn a higher rate of return with your retirement dollars if you're pretty confident you can do so. We're planning to spend about $75K per year and are also planning to do so way before 65, but are shooting for "only" $2M. I can't imagine a scenario where we don't earn at least some money doing something in retirement. So this article feels unnecessarily conservative in a lot of ways.

I mean, I do see how they wanted to make these estimations based on conservative portfolios--it's a better average.

This chart seems fair for a conservative general public estimate. Since it does not factor income earned from any investments, I would not rely on it more than a general guideline. There are many free financial retirement calculators available for a more accurate personalized projection. I also agree that an 80/20 split is better.

This makes a lot of sense. I have decided I need $36k per year to retire comfortably, I only need $20k if I consider my part-time side income streams. This means I can retire with $250k - $450k at essentially any age.

Real estate investments will make up at least 50% of this investment.

These are good numbers that help most of us that when asked how much we need for retirement just say millions. I am glad you noted that this does not include investment income. I think if you were to include that, and I know its hard to factor that in, I think with a frugal lifestyle one could retire with less than 1 million. Also note that if you are earning less income you may qualify for subsided healthcare and can move to a lower cost of living region than you may live now while working.

The comments to this entry are closed.

Earn Extra Money

Save!


Enter your email address:

Delivered by FeedBurner

Disclaimer


  • Any information shared on Free Money Finance does not constitute financial advice. The Website is intended to provide general information only and does not attempt to give you advice that relates to your specific circumstances. You are advised to discuss your specific requirements with an independent financial adviser. Per FTC guidelines, this website may be compensated by companies mentioned through advertising, affiliate programs or otherwise. All posts are © 2005-2012, Free Money Finance.

Stats