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 2012

Retiree inflation rate will be different. Likely to be lower than national average.

Read? Personal Inflation Rate and Market Inflation Rate - Revisit

Most retirees are not affected by inflationary pressure coming coming from housing, children education, children expenses, and etc.

So don't overly scared by your FI using typical 5% inflationary rate. It is too scary!

Uncle8888 used 3% inflation rate for his retirement planning. Reasonable or not???


  1. Give and take here and there. Do not forget retirees also higher risk for high blood pressure, diabetes, high cholesterol...etc.
    So may have to factor in these "extras"

  2. Yes, I think 3% inflation rate should be OK unless you have big ticket expense such as Car, Housing and Children education.

    For medical expense, one would mitigate the downside by having medishield. :)

  3. University tuition fee goes up 5-10% every 2-3 yrs. Scary inflationary rate.

    1. Indeed it is very scary. That's is the main reason why student in US had mounting student loan debt.

      It is 'fortunate' if our kid is smart and able to obtain schoolarship from institution else the parent will have to food the bill. Alternatively, get them obtain student loan from local bank lor...

    2. but thinking further, when we are in retirement age, we should be no longer have such 'burden' like child education or home loan.

      That's why we have to plan for retirement during young. No?


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