As from April 2013 my Journey in Investing is to create Retirement Income for Life till 85 years old in 2041 for two persons over market cycles of Bull and Bear.

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This blog is authored by an old multi-bagger blue chips stock picker uncle from HDB heartland!

"The market is not your mother. It consists of tough men and women who look for ways to take money away from you instead of pouring milk into your mouth." - Dr. Alexander Elder

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Monday, 12 November 2018

Just Spend Below Our Means During Our Wealth Accumulation Phase We Should Be Financially Secured (2)

Read? Just Spend Below Our Means During Our Wealth Accumulation Phase We Should Be Financially Secured

Next, based on his 15 years of real savings at Dec 2016, Uncle8888 will do simplified version of retirement planning for his retirement income starting from 2017 (age 61) under portfolio return and its associated withdrawal rate and period.

Assuming yearly inflation rate is at 2.5%

A) 3% Yield, 5% Withdrawal rate, 21 years @ 81

B) 4% Yield, 6% Withdrawal rate, 19 years @ 79

C) 5% Yield, 7% Withdrawal rate, 18 years @ 78

Option A can be achieved by index investing e.g. STI ETF.

He can afford to retire simply as local and JB tourist with his monthly Senior citizen Silver concession pass.

1 comment:

  1. So at 70 is even more achievable- all 3.

    Aiyo, Just invest and spend in such a manner that U aim to run out of life B4 run out of money.

    Better still if U aim to leave a "legacy" behind.

    Actually, de- acumulation phase is more challenging investing to me-No more Human Capital lah!


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