Can I retire yet?
“Here’s the simple formula: Spend less than you earn – invest the surplus – avoid debt.”
The table at the bottom comes from Darrow's book Can I retire yet?
They assume a 8% investment returns (Prof.SIGEL Stocks for the Long Run shows that in the last 50 years all big stock markets produced more than 9% IRR some 10% , so 8% is possible, of course China did not ) and after you retire you take the usual 4% of your money every year to live. when you retire your portfolio is still invested making 8% and you take 4% the rest is to keep up with inflation.
The problem in the world is if you have money next year that money buys less & less. Yes you need your money to grow faster than the inflation.
You need to make a plan. yes that is what you need a plan, and sooner or later you will reach it.
I don't want to retire but I have a plan. I don't have debt and have all my money in stocks in our FUND PPR OPTIMIZE LEOPARD.
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