Early Retirement Extreme Forums

How to get 7% ROI passively nowadays? Any ideas or advice please? Thanks.

Hmm, I am both FI and non-FI. :) As an individual I am FI with more than a 500K AUD stash, however as a couple we are not FI since my wife insists on having a ROI of 3K per month. Together we are close to 700K AUD, but other than money in investments we need around 100K for land and a house to build...

While I found the ERE path gratifying the first 2-3 years now in the 5th year I am quite anxious to reach FI. Cost has been optimised for a long time, income is solid, but ROI is not that good. Being risk averse in fear that potential loss would extend time to ERE I sticked to conservative investmen...

What do the permanent portfolio followers think about replacing the stock portion with real estate?

2010 Few minor savings
2014 SWR 6% not adjusted for inflation, adjusted for inflation who knows, can`t trust the government official statistics, maybe 10% (btw this is Australia)
2016 Hopefully should be 3.6% again not adjusted for inflation

Maybe I catch up with the inflation in 2018.

So what are you investing in and what is your rate of return?

29 - 20k

30 - 100k

31 - 170k
Plan is:

32 - 250

33 - 340

34 - 450

35 - 500 ERE
Not including retirement funds which are approximately plus 10% on the amount.

So, what`s the secret in writing a popular book in short?

What kind of books are they riparian?

<t>Just converted 1000sqft and have to say I am very surprised to see it s nearly 100 sqm. In my home country 100 sqm is considered luxury unless you live in a village. Most families of 4+ live in around 50ish sqm, living room plus a bedroom is considered to be a 2BD flat.<br/> <br/> I think what is...

Secretwealth, all depends on ones starting point, my family never had a car and thus Ive never had the need for it. I still don`t have a license.

<t>Aussie, Ive never been in US. You can live in the country but can you find a job there, not that easy. A couple can buy the house under the condition that they keep paying it off for 30 years. Healthcare - any dental 0 cover, hospital, surgery, physio, vision all out of your own pocket. Luckily I...

<r>While I absolutely agree with the concept of guaranteed income which would cover all very basic necessities (<URL url="http://mondediplo.com/2013/05/04income">http://mondediplo.com/2013/05/04income</URL>), I do think you are idealising Australia. The basic healthcare doesn`t cover pretty much any...

<t>Yes, I need to intensify my buddhist practice and physical exercise. I know it will help, it is just hard to get a grip from laziness.<br/> If I were single I would be FI already, the thing is that I will have to cover both the partner and a future child plus purchase land for a small farm. Also ...

<t>Ok, so its been a while and I think now I realise that over-focusing on reaching that ERE financial figure has left me a bit under pressure and demotivated. It is not good to be too greedy since greediness can overwhelm you gradually and you become obssessed with it. Better approach might be just...

<t>Now this is an interesting question which is equally valid for people willing to retire in 20s and 30s. Since we want to minimise the time to ERE and maximise the funds that sustain us after ERE an argument can be built that we shouldn`t risk it.<br/> <br/> So 100% of the funds that provide SWR s...

<t>I would be very interested to hear what is your average return on the financial investments? 2-3K per month sounds amazing, with a 4% ROI that would require 600K invested!<br/> <br/> Also, what kind of software are you selling, is it only one application or multiple?<br/> <br/> Definitely amazing...

<t>While I would definitely love to, I would not dare.<br/> <br/> A former colleague left the job and went to travel for 6 months. After he came back it took him more than another 6 months to find a new gig. And he is a technically competent person which really does add value.<br/> <br/> Better to g...

<r>All investments which are not tangible like commodities, land and real estate do not have any intrinsic value. The value of everything including the tangibles is determined by the perception of others - how much others are willing to pay for it.<br/> <br/> The only way to isolate your investment ...

<t>Great topic, while frugality has always been my lifestyle Ive been feeling stressful since I decided to pursue FI. I just feel the urge to reach it ASAP and that has been kind of a pressure Ive been living under. I stopped enjoying work and cant wait to get it done. Havent been particularly lucky...