Fire portfolio reddit. the last 2 bear markets happened after massive runups.
Fire portfolio reddit Dec 20, 2024 · I am a young investor (20 years old) interested in Financial Independence, Retire Early (FIRE). I struggle to see how it will last when interest rates continue to rise, but then I always struggle to see it rising ;-) My current portfolio is around 30000$ (50%-50% on stocks and crypto assets). I would say that adding leverage is risky and if you are new it might not be as easy as it seems to handle big swings in your portfolio. That's why oil&gas is still in most ESG indexes and a fossil fuel free portfolio misses the mark even aside from the fact that divestment isn't a complete solution. My split is something like below: US Stock Index -- 60% (mostly total US index, no specific sectors) Short-term* -- 21% This is a subreddit to discuss all things relating to gaining financial independence and retiring early (FIRE) with a focus on the UK. I have gone through multiple threads on this subreddit and the information has been clear & very useful. 75% stocks, 25% bonds. I complete this update monthly to check my progress against my goals. i typically go for a majority profit target of 20pts and let the rest ride off into higher yields closing them at 10pts respectfully. For me its dipping everyday and currently at -4% over all ( MF + Durect share). Reinvest all dividends back to the funds. I'm about 10 years post FIRE, right now my stocks are around $200,000 My Fundrise account is worth about $50,000 My real estate portfolio is worth about $1. In order to ensure that I won't need to sell, I have a 5 asset portfolio and each one of these assets I'm confident will be around in 5 years, when I expect to reach the final number. 75% from $750k to $2. Now, all FIRE simulations using data going back to 1871 use 10year treasuries for bonds (e. Reply reply run_climb_code Good Day All. 83%. This is just to help with sequence of returns risk, I won't keep so much cash forever. Similar to Vanguard Australia Growth ETF Portfolio with 90% Growth / 10% Income, that will be re-balanced every 5 years (Income allocation will grow up and Growth will shrink down) Before starting our ETF investment journey, we plan on building our CASH "cushion" of around AU$100k, kept in a HISA (High Interest Savings Account) . I am in my 20s living in a LCOL area. My split is something like below: US Stock Index -- 60% (mostly total US index, no specific sectors) Short-term* -- 21% Jun 25, 2023 · This is a subreddit to discuss all things relating to gaining financial independence and retiring early (FIRE) with a focus on the UK. Vanguard Lifestrategy High Growth Fund $787,739 The tangency portfolio is the portfolio with the highest risk-return profile to hold in combination with the risk-free asset. generating passive income can help you achieve your financial goals and ultimately reach FIRE. That way, you could choose to view, say, 5 years in and see how things tend to go early on in the retirement. The riskiest part is the first few years after you FIRE, whatever age that is, when you're most susceptible to a bad run of returns. Our goal is to help Redditors get answers to questions about Fidelity products and services, money movement, transfers, trading and more. I do hold a decent number of individual stocks in my portfolio though, which I suppose is a "part of my FIRE investment portfolio", because, in a sense, everything I own is. I'll start: Bio. In your mind, your utility curve intersects with the pink line at the 70% mark. I am thinking a 90/10 split stocks to bonds in my asset allocation for some stability. This community is for those who wish to achieve Financial Independence Retire Early (FIRE) in India. Also, depends on what the down to 50% is. Portfolio goal. 8m NW. Quite overwhelmed by the choices for the bond part: Virtually all retirement studies use a portfolio composition that allocates significant portion of capital to bonds. My initial plan when I set out in 2016 was to FIRE by the age of 45,(which is still about 7 years away) with a large enough portfolio to generate S$5,000 per month in retirement income. To reach my FI goal quicker, I am thinking about leveraging my portfolio by a (small) factor of 1,25 by taking on 50k dept over 7 years at the currently still low 2,99% my bank offers. I definitely like the idea of using stablecoins to lock in gains, but ONLY after reaching the final FIRE number. Lean fire = taking a noticeable cut in lifestyle Fire = same as current life style with maybe a bit of flex in each direction, but nothing dramatic chubby = at least current spending with maybe some flex up. Portfolio income summary. You have to remember that yes we should plan for retirement, but tomorrow isn't guaranteed. That way you can live primarily on dividends and withdrawal as needed from growth or bonds to make up the difference. I have no kids and am single Here is my portfolio: The columns I'm thinking will be the years (so that I can see how my FIRE date has changed over time), and then Rows could be something like: FIRE CALC. 200k in portfolio with a breakdown as 55% fxaix 30% voo 15% vt I went from being able to put 5k a month into that portfolio to just 1k. the last 2 bear markets happened after massive runups. In general, portfolio diversification is more important than people in the FIRE community tend to recognize in long term financial planning. 257K subscribers in the fiaustralia community. Specifically liquid holdings, but feel free to include illiquid (RE/private co shares/etc) too. The bond portion as well as dividend portion of the portfolio will increase over time. Learn from our real life stories of how we got there and how things are going! A small place on the internet where reddit users discuss their trades and positions. There isn't any single ideal FIRE portfolio. My objective is to reach a portfolio of $2 180 000 by 1 July 2021. Vanguard Lifestrategy High Growth Fund $728,112 The portfolio is meant to compliment physical RE holdings and/or private company stake. I split my finances completely from my domestic partner and we each pay exactly half of house and car expenses, so we each pay $3000 of that property tax per year. ETFs for illustration, I have mutual funds in my employer sponsored accounts. Yes, they are mostly sub investment grade and that’s why their yields are so much higher but Wise Alpha offers bonds from well known corporates (eg Marks & Spenser, Thames Water, BP). also don't Dumpster fire like they do in r/leanfire, you have no cushion. My broker is offering me 1. Ours is $8000 a year but STAR (for living in it) brings that down to $6000. Expenses about $250k/yr with young kids. So in terms of actual portfolio draws, everyone should just do what feels best for them. 246K subscribers in the fiaustralia community. Skip to middle section on investment May 3, 2021 · You may want to try firecalc. Fire Portfolio or Passive Income Considering the FIRE model relies on having upwards of $1m in net worth, is it faster to setup passive income streams in order to quit your 9-5? comments sorted by Best Top New Controversial Q&A Add a Comment Depending on your portfolio you can have no more than a 10% margin loan if 100% stocks or possibly a 20% margin loan if you're 50% stocks/bonds historically without possibly facing a margin call or selling down your portfolio to reset your leverage like a daily 2x or 3x leveraged ETF. Portfolio one 700k Portfolio two 250k 401k - 120k Learned to diversify, buy the quality and not the hype! Thankful for their guidance and hitting the milestone at just 31 feels good but at the same time feels exhausting. Big movement in the equities space! A nice upswing in both the Australian and Global markets helped lift the shares and investment bonds portfolio by about 10%. Rental properties have residual income, not passive income. This is fire though, lot of people VAnguard and chill. You asked about my portfolio. 2m into a safe withdrawal calculator. Edit: Yes I do, we talked about it, they keep me informed, up to date on news and position heavy securities or funds etc. The rest are going to be pretty low dividend payers, and that's about two thirds of your portfolio. Welcome to the Australian version of r/financialindependence, a place created… Curious what's everyone's portfolio made out of and what risks are you prioritizing for the next 20-25 years. lets say I trade 5 contracts of NQ. If the ACA goes away, so does FIRE for the vast majority of us. Determining your portfolio rate of return over 1 year, 2 years, 5 years, and all years. I've mentioned it many times before, but portfolio performance is perfect for this. I haven't calculated it out, but my non-401k holdings are probably about 60-70% ETFs (my 401k holdings are 100% index funds, because I don't actually have a choice in the That makes sense. Seems like there's some room for discovery and discussion here. Many of the US-based apps aren't optimized with currency conversions in Euro or can't handle ISIN numbers. 5M I have similar feelings toward our bond allocation. Some good lessons learned from their performance recently, too. Jan 28, 2023 · My FIRE portfolio: 30% Total Stock Market (VTI), 30% Small Cap Value (AVUV), 20% Long term treasuries (VGLT) and 20% Gold (GLDM). No exposure to FI/cash so you're going to cop it if the market crashes. 7M. This will maximize your passive income and build a portfolio in the fastest, most tax efficient way. Note- I started my portfolio in Jan 2021. Mid 30s, business owner. Historically, a majority of my compensation has come in the form of stock, which I have held onto, so naturally a large proportion of my investments is tied up in a single stock. Its basically an infinite series math question. By the way, premature withdrawal of portfolio before regular FIRE slows down the compounding to reach the desired FIRE number so I'm not sure what exactly your intentions are for 'fakeFIRE'. not bond funds such as BND). I would plug that $5. I've seen over 100k of my portfolio burn down back in march 2020 in a month, 100% equity portfolio. Whether you are new to the FIRE movement, already on your FIRE journey, or have retired early, there's something here for you. The data from the Trinity study suggests that you want anywhere between 40 and 70% in stocks to be able to use the 4% rule over 30 years. Zonder verder al te veel informatie te geven (ik zal op een later moment wanneer ik wat meer ben ingelezen een verhaal delen), zou ik graag mezelf wat meer verdiepen in FIRE en de verschillende portfolio strategieën. If you're a retired grandmother seeking steady income, that may be good advice. No selling or converting until that time. But I wouldn't recommend it to someone who has, say, almost all money in equity because the lack of liquidity is an issue, plus the portfolio probably beats inflation already. Hi FIRE team, I currently have two managed portfolio service accounts each with about $1. There's a new simulator online with "fat tails" and "black swan" features. The given advice seems heavy on "income" and light on "growth". It's not easy, but it is simple: earn more, spend less, and use the difference wisely. Actually - previously had a very well paid job, but was killing me so I left it for something more manageable from a life perspective. Much appreciated! I’ve been thinking of a way that I could hit my FIRE goal sooner and it seems that selling shorter dated options on SPX with portfolio margin + a well diversified portfolio would greatly reduce the amount of time needed to achieve this. Right now, I’m essentially 70% VTI and 30% VXUS across all my accounts. Please poke holes in my strategy. 25 years your senior, I'm gradually changing from index investing to dividend-stocks, and continuing bond investments, to quell my wife's phobias). But what do you think of moats (in the sense of diversification of a fire portfolio)? A sustainable competitive advantage that allows a company to protect its profits and market share from its competitors. Overall there isn't necessarily anything wrong with the portfolio depending on how much hassle you are willing to take on and what your strategy for income will be. As portfolio performance is German (and open source), they thought of this. $29,500 per year is: $2458. This should produce a passive income of about $67 000 (Objective #1) - Achieved Hoi allemaal, De afgelopen jaren heb ik een mooi vermogen kunnen opbouwen in mijn onderneming. They need to be separate for asset management purposes. Hey folks, I’m wondering what your thoughts are on whether having some SCHD makes sense in a FIRE-minded portfolio. 16 votes, 45 comments. Oct 30, 2023 · There isn't any single ideal FIRE portfolio. It is not a dividend/ passive income portfolio (yet) but can be easily transformed into one by simply changing some values in the excel sheet. My current portfolio is 200k€ invested in equity ETFs (globally distributed My portfolio value is now at $1. I need to rebalance but my percentages are 46% VOO, 34% VUG and 20% VXUS. Link to result / Screen shot FIRE Target # FIRE Date Scenario 2 - Default Settings, Add Pension and SS. 2M in diversified equities for a total FIRE portfolio of $5. Does anyone have experience with this kind of strategy and what do you hold? Or is this just a waste of time! This portfolio would outperform 100% allocation to SPY. Many iterations of the three fund portfolio are also no more than 20%. There is nothing wrong with allocating a small percentage of your portfolio on crypto or individual stocks either. There are many portfolio options but the most basic would be something like: Large cap US, small cap value US, international (developed markets), international (emerging), and US treasury bonds. r/Fire • Portfolio Early retirement free from medical bankruptcy risk only exists for most FIRE folks with the ACA or something like it. Persoonlijk gebruik ik een app genaamd "My Stocks Portfolio". 15m, hooray! I'm very happy about the progress since 4 years ago when I first posted. I'm interested in seeing what sort of allocation fellow FatFIRE members are holding. Everyone pays attention to the subsidies, which are admittedly nice, but the real FIRE value of the ACA was the structural reforms in the insurance market. As a 3 Late 30’s, $13M net worth and a business valued at about $10M but difficult to sell. This is a great place for beginner and advanced investors to share knowledge! NOTE: please include the names of funds in — Also for your FIRE strategy — I decided to go more of the growth stock route with the intention of multiplying my portfolio over and over before settling more into dividends. I'm planning for a 60/40 FIRE-drawndown portfolio. Oct 31, 2024 · Asset allocation and 10 year backtest of 11 lazy portfolios suitable for FIRE, from Vanguard 3-Fund Portfolio to alternative approaches. Get (and give!) advice on investment portfolios and financial planning goals for retirement (401k, Roth, IRA, HSA) and taxable investing accounts, particularly stock and bond mutual funds and ETFs - learn tips for tax efficiency and other account optimization strategies. So you have a retirement portfolio of $2M in bonds and $3. I'll hold bonds to reduce sequence of return risk / make my portfolio last more years (see FIRE simulations, Trinity study, Big ERN etc. Hows your FIRE portfolio performing during this war. The optimal portfolio is one where your utility line barely touches the pink line, i. I hold ARKK, ARKG, BTC, ETH, I also do some Staking for extra Yield, hold some of my emergency fund in Stablecoin Staking apps. Link to result / Screenshot You should be able to get your total portfolio yield up to or close to 3%. My portfolio is entirely based on stocks / index funds (no investment real estate), with most in a taxable brokerage account. Investment Amount Fire is a balancing act, not gambling. Not in any random year, but in aggregate. This community is being created due to orignal r/FIREIndia mods blacking out the sub against reddit policies change and the alternative r/FI_India getting modded out of reddit. for example. My plan is to achieve 1M portfolio by 10 years and retire early. ). You don't need to do a actual withdrawal to test the feasibility of the plan. I am 34 years old expat in Netherlands and getting started with my Fire journey. The typical 80/20 stocks to bonds (or cash) FIRE allocation seems less common as portfolio size enters the "fat" categorization. I have virtually no debt other than a house Im remodeling now. Long time lurker here. Here's what's missing from your request, YOUR goals & objectives. This is my perpetual allocation, unless bond yields drastically improve. How can an infinite series of subtractions lead you to anything but a 0 share portfolio. This way you will still see some growth of the portfolio, income should remain steady even during market downturns adjusted for inflation. I'm in New York State, so I share your property tax affliction. My portfolio is currently 100% DHHF. Hierover moet ik 1,32% TOB betalen, dus €1581,62. In a 75/25 portfolio you'd drop about 37. Starting strictly with dividends will be very slow growth, growth stocks can allow you to 10x and then come back to the dividends with more success I appreciate all the responses. That way you can begin to earn financial freedom and control your own destiny. 99 per cent, or a nominal return of 6. The service fees are currently 1% up to $750k, and 0. I am 48 and have a (very) secure job in Germany. Cash flow about $1M after tax from business but likely declining 10-20%/yr. I'm planning for a stock/bond FIRE-drawdown portfolio. com is another solid option. 36, $1. In 2019, that amount grew to $100k. Cfiresim. Minimum portfolio value to FIRE comfortably in Singapore Hi guys! Since Singapore has the reputation of being one of the most expensive cities in the world to live in (which I think is flawed due to the standards used to make the measurements) people often think that they need millions in the bank in order to retire or become financially General opinion is the high management fees of mutual funds make them unattractive vs the low etf fees (2% vs 0. This portfolio objective is based on an expected average real return of 3. However the focus within FIRE is usually on high growth and general funds, or dividend growing Welcome to r/AustralianNostalgia, a subreddit dedicated to evoking memories of Australia's past! This online community is a vibrant hub where Aussies and those intrigued by Australian culture come together to reminisce and share nostalgic moments from days gone by. Whether bonds fit that niche for you, or some other asset, that’s your call. How do folks here manage their FIRE portfolio ? Do you just consistently contribute to an index fund portfolio or prefer a robo investor ? I have had Wealthfront for two years now (risk score 8) and my returns have been under 12% . With gold hitting new all time highs, I wonder what % of our post-FIRE portfolios should be in it. This person saved and invested 6 figures in 3 years. This is especially welcome against all the property doom and gloom in the media today, and a reason why diversification is so important in an investment portfolio. Measure Portfolio All Assets. Reddit iOS Reddit Android Reddit Premium About Reddit Advertise Blog 30 percent in emerging markets seems higher than average portfolio. How do I organise my FIRE portfolio? So long story short I’m 27M, making around 35k as an assistant engineer and that will hopefully go up by around 10k with a promotion and hopefully keep climbing from there, and I’m paying off some stupid credit card debt /loans that I built up when I was younger (~20k total) and hope to have all debt We would like to show you a description here but the site won’t allow us. In addition to investments and retirement (all in broad market index funds), I currently have 12 months of cash ($75k) in CDs as an emergency fund. Portfolio goals. This is my ninth portfolio income update since starting this record. But, as I get near my exit strategy (at most two more years of active practice), I think more and more about the temporary downturns in 2000-2002, 2009-2010 and 2022. While many do have global cap weighting, a lot of us (including many of the heavyweights in index fund investing) tilt heavily US. Fixed Income Allocation for Moderately Fat FIRE Portfolio I have done well investing in stocks for 30+ years fairly aggressively. Portfolio summary. Yeah, when I research I come to the same conclusion. Build a baseline of financial security with the difference first, then use it to invest for your future. I assume that u/Original-Ad-4642 is just suggesting that $100k is the point where your regular annual returns feel like a major impact relative to your new In better personal portfolio news, my non-pension portfolio is somehow actually at an all time high, thanks to a 5% allocation to gold, and some allocations in value + the UK. Allereerst betaal ik 0,15% vermogensbelasting. Global cap weighting necessitates 50-60% of your equities portfolio be international - Bogle says no more than 20%. 2 million plus you have a $2 million speculative portfolio. 100% stocks or adding alts are not for me. I am new to reddit and to the fire community as well. Some % in monthly options or LEAPs to swing trade big, macroeconomic ideas. What are yalls thoughts on my portfolio and current situation? Question for the community members who use Portfolio Visualizer: I recently started using this tool to check success rate probabilities for different withdrawal strategies. Has anyone changed their strategy with the higher rates in bonds, high yield savings, or cd rates? I bought I bonds last year and I’m hooked. 3 contracts will close at 20pts, 1 will close at 30pts and the last contract will close at 40pts. Yes, as you are saying your portfolio can increase as your share count is decreasing, and this is ok. I'll hold bonds to reduce sequence of return risk / make my portfolio last more years (see FIRE simulations, Trinity study). 30 every hour about 1 penny every 11 seconds, every second of every day My portfolio is similar to my last portfolio update, but more index funds now. According to the firm believers of the Efficient Markets Hypothesis, the market portfolio should be the tangency portfolio as the market will allocate the availalble resources in the most efficient way. 995. One of the key goals of FIRE is to build a portfolio great enough that the growth out paces the drawdown. I'm not sure how much my answer will help since I am more focused on cash flow rather than the usual 4% from a stock portfolio. My goal is to build up a portfolio capable of providing a passive income of around $90 500 by July 2022 (Portfolio Goal). Welcome to the Australian version of r/financialindependence, a place created… The entire philosophy of fire is, live well below your means, invest as much as you can, live off the investments. My FI portfolio will be an income portfolio, to cover our monthly expenses from dividends and coupons alone, not touching the principal. When can I achieve FIRE, How to change my investment to get a good portfolio by 40 years comment sorted by Best Top New Controversial Q&A Add a Comment LifeIsHard2030 • A lot of young folks go in 100% on stocks with zero bonds in their portfolio to be aggressive towards FIRE. I think we will also shift away from target percentages to absolute amounts as our portfolio grows. This would produce a real annual income of about $87 000 (in 2020 dollars). 09 for example) I would suggest reviewing your returns vs some potential popular etfs like voo/vti/schd. Apr 29, 2021 · The FIRE Way: Commodities can be considered part of a FIRE portfolio as part of equities/stocks. Members Online [YOLO Update] (No Longer) Going All In On Steel (+🏴☠️) Update #46. fat fire = ability to spend more and increase my lifestyle Portfolio growth has been slowly adding to the challenge – on a path consistent with the overall growth in the equity portfolio, the absolute value of a 1 per cent shift ‘out of balance’ has been growing. Not asking for how you distribute monthly free cash flows or what your “target” crypto percentage is as part of your total portfolio, but how your actual, current asset class split looks like. Long time lurker, first time poster! I'm (mid-30s) on my journey to fat fire and was curious about how you are are allocated on a % basis. My FIRE portfolio: 30% Total Stock Market (VTI), 30% Small Cap Value (AVUV), 20% Long term treasuries (VGLT) and 20% Gold (GLDM). A decade of compounding 10% returns would take a $100k and a $10k portfolio up by the same percentage, but you'll have gained ~$160k on the larger portfolio versus $16k on the smaller one. Currently, my portfolio is allocated with 90% in the VT ETF and 10% in a nuclear energy-focused ETF (NLR). 36 votes, 10 comments. 2% portfolio margin (which I can wire to my checking account). And there is FIRE where you quit your office job, reduce your life to nearly nothing, live in an airstream in Oregon and make $30k per year leading hikes through the endless trails. Play around with scenarios to see the impacts (retirement age, expenses, asset allocation, etc). Portfolio diversity and allocation to different tickers. The monthly rate would be 555€. Recently started my FIRE journey. The video also highlights the significance of assessing risk tolerance when building a balanced portfolio and how diversification is critical to balance the risk and reward of investments. There is FIRE where you make a shitload of money and love somewhat modestly so you can retire early but still somewhat lavishly. VT generates around 2% in dividends so VT + some bonds should generate the CPI adjusted $40K gross income you want while the portfolio still grows to match inflation. Het is redelijk wat werk om het bij te houden omdat je een portfolio moet aanmaken met al je effecten (bijvoorbeeld VWRL + je obligaties, of whatever), en dan iedere keer dat je iets koopt/verkoopt in Degiro moet je dat handmatig in de app invullen. Now, this is a toy example and cant be practically implemented, but it should convince you that hedging does not guarantee a lower aggregate return. So if you are FIRE and you saved for years you should know that your stocks are up high due to a run up and be prepared for the downturn. 820,-. I took $25k out for some emergency (bad decision), and then rolled rest over to IRA in Fidelity. Scenario 4 is what you’re looking for…maintain portfolio adjusted for CPI while providing income that is also adjusted for CPI. Have a salary of about 80k a year, next year it will be 93k. When I specify a percentage withdrawal (up to several %) the success rate is always 100%. The main advantage over bond ETFs is that you can hold these individual bonds to maturity and construct bond ladders. University endowments have inspired a lot of my portfolio construction. If somebody started this portfolio now, under what conditions would this portion of the portfolio go up a lot, a little, stay flat, or go down?? What kind of percentages are we talking about? Can long term bonds go up For this portfolio, I started my 401k contributions in 2013 with just putting 5% with 100% employers match and left that job in 2018. I also have a Robinhood in which I mostly do etfs . After that, I think providing you're keeping a decent exposure to equities (50-100%) you should in theory be fine, with varying levels of anticipated return and volatility depending how much equity you choose. Do not sell - your work income and emergency fund should be enough to pay for your ongoing expenses. 22 votes, 12 comments. I should have kept my mouth shut and been quiet…feel like wrong crowd is getting attracted to me. This is my thirty-fifth portfolio update. The results may surprise you. No more than 10% though. Nu wil ik gaan wonen in België en leven van mijn portfolio. Scenario 1 - Default Settings, No Pension or SS. Instead it depends on things like your risk tolerance, long term goals (buying home, paying for kids college, retirement, ). com to answer your question on the viability of your portfolio to support FIRE. Feel free to also share exact percentage and/or reasoning below so that all of us get a more granular view. true. Over time, this means that the portfolio is harder to keep on the intended ‘course’ of asset allocation. Even more, if you uses 'Taxonomies', you can select every item in the taxonomy as a data series. EDIT: This is such a great community, thanks for all the inputs and advice! Ended up reallocating the 401 from 100% VFIX to: VFIAX – 60% - Vanguard 500 Index Adm VEXAX – 30% - Vanguard Extended Market Index Adm (Mid-Small Cap) FI/RE (Financial Independence / Retiring Early) is a money strategy that's sweeping the nation. Apr 29, 2021 · I’m going to discuss general types of investments for the everyday reader in 2021, as well as shed some light on my own FatFIRE portfolio as a millennial. Anyway, most FIRE folks have a customized financial structure to suit their situation, I am sure, what I would like to promote is more discussion of the "customized financial structure" withdrawal strategies. If you plan on living on ONLY dividends the math is pretty easy. 100% lean FIRE, 67% FIRE. Just figure out how much your portfolio gives you in dividends as a percentage (lets say you are in a high dividend portfolio that gives you 5% a year), then figure out what your yearly spending goal is (lets say it is $50K for simplicity), then figure out the number it will take to get there. Visualizing daily portfolio value against the simple projection and trend line. Separate cash reserve with about 1 year spending, and I plan to increase this to 2-3 year's worth of cash before firing. Quite amazing the increases this week. 33 every month $80. As part of the transparency and accountability of this journey, I regularly report this income. Whether it's through rental properties, Rental properties are not passive. It has been in BND+BNDX, but I’ve considered alternatives. 5%. 5M. For my own satisfaction I’d like to shift to 80% DHHF and roughly 15-20% In some individual shares to try and add some growth and also excitment to keep me motivated. My follow up question is if there is merit to having a small cap, bond and real estate (reit) portfolio over the traditional total stock S&P 500/ VOO/ VTI to optimize the time and investing to reach fire? The youtuber talked about how the former mix is the "Max FI" portfolio. This works out to about S$1,846,000 in investments at 3. Portfolio objective – $2,585,000 (or $90,500 pa) 88%→114% 105%→146% Total average expenses (2013-present) – $83,800 pa 93%→123% 112%→157% Target equity holding in portfolio 75%→95% N/A Stepping back to look at the overall portfolio performance, this year has been unlike any other on the journey. As an official Fidelity customer care channel, our community is the best way to get help on Reddit with your questions about investing with Fidelity – directly from Fidelity Associates. Determining the individual holdings gain/loss, average cost, dividend earned, and rate of return per ticker. I recommend the Three Fund portfolio, with a small allocation (say 10% at most if you're young) to bonds. You can also select 'entire portfolio' as data series. One achieves his FIRE goal in 2020 during a global pandemic, inspiring the other to play catch-up. Given my high % in debt, I cannot keep the entire thing in low risk funds because then my portfolio won't beat inflation, hence EPF has a role in my portfolio. I was also thinking of allowing you to view the portfolio values N years in (right now the overview page only shows stats on the end portfolio value). 49 per cent. Just wondering what holdings do others have in their portfolio. is it achievable to 1M within 10 years with my current income? What should be the strategy I follow ? (My current plan is to stick into 50-50 stock and crypto) Portfolio goal. the line of highest utility that there is a possible portfolio to build for. I am wanting to get some feedback on my personal FIRE situation. Examples, the most popular, Apple, Amazon, google, Microsoft. The portfolio is 105% long. Pardon me for using english, I have just started learning dutch. From my job I can invest around 1500$ per month. It was the first time I have ever had a substantial drop like that (started investing in 2008) I went through the dark "what if's" during that period but luckily did not sell anything. e. My objectives are to reach a portfolio of: $1 598 000 by 31 December 2020. Also, I bought the property over 20 years ago in an "unfashionable" area that became quite surprisingly fashionable. Voor het gemak haal ik die er direct vanaf, nu blijft er €2. 25% safe withdrawal rate - somewhere near the Tier 3 - letting me live comfortably and also be able to I use NY because of access to Vanguard funds and I do a 60% US equities, 40% international equities lazy portfolio which is already set up in the NY 529 platform as an "aggressive" portfolio. Create a balanced portfolio if you don’t like risk or an aggressive one if you don’t mind the risk. . I'm not sure that I can post a link due to the self-promotion rules (I'm associated with the project)--perhaps a Mod can clarify for me--but it's free and open to the public. You need to do some work in forecasting what the cost of college will be. 82 every day $3. The All Weather portfolio from Ray Dalio/Bridgewater advocates for a large portion (40%) in long term bonds, mostly treasuries. I don't have any, based on insights I gathered from financial gurus like Buffet that Gold does not earn anything, and for such things, price is determined by what the next fellow is willing to pay for it. I currently hold VOO, VUG and VXUS. Since the problem with sequence of returns risk and FIRE is the need to sell shares during a down period early on in retirement, has anyone experimented with the idea of having a portfolio composed of high dividend paying stocks and ETF’s during the first few years to help mitigate this? I had a similar experience for October - large gains but not in my 'FIRE portfolio' - Of my FIRE portfolio nearly all growth was from 'legacy' individual holdings - specifically TSLA which increased 37% (this October increase alone in TSLA is 5x my initial investment). g. The SWR is about 1. Vervolgens haal ik 4 procent uit mijn portfolio om van te leven, dit is €119. In addition, it emphasizes the importance of rebalancing the portfolio and the relationship between investment horizon and portfolio diversification. It's clear this person has very much been executing on a fire lifestyle. To me it's a great opportunity to accumulate for long term since I have 9 more years to FIRE ( I sef Dec 2030 as a milestone for me). r/Fire FI/RE (Financial Independence / Retiring Early) is a money strategy that's sweeping the nation. 500,- over. I am curious about how people here invest towards FIRE. In a 50/50 portfolio, a 50% stock market drop like we had in 2008-09 would mean a 25% drop in your portfolio. This includes the famous Trinity study - probably the most widely cited retirement study in the FIRE community, and the basis for the 4% rule. Theyre talking about the share count in ones portfolio decreasing. This is useful if you want to group certain assets and see their combined performance. Depending on your portfolio you can have no more than a 10% margin loan if 100% stocks or possibly a 20% margin loan if you're 50% stocks/bonds historically without possibly facing a margin call or selling down your portfolio to reset your leverage like a daily 2x or 3x leveraged ETF. dogwwt qgplw eoqpw fqdq kbno saoxyti yix kie mkwkq doalav