Early Retirement Extreme Forums

You guys seem to be doing so well. Can any of you quantify the actual amount you have and that monthly drawdown in addition to percent? I seem to think 1-2% must imply hoards of money but obviously this is early retirement extreme which is usually more frugal when compared to the mainstream of other ...

Hi everyone,

Not sure if this is the right area to post but I just wanted to share a personal success when it comes to cutting down on monthly expenses, excessive wants etc. I have finally cancelled Sky TV (UK Cable) - $80 and my BT Inifinity fibre optic broadband (76MB) after switched to another ...

I like the idea of a trial run, that's interesting. I think I am going to concentrate in building my wealth more so before I majorly consider how to draw an income from it. I will go on a 3.5% rule most likely and then at the time I have enough money if I still want to do this! I will research my ...

I think Its fair to say I have been too optimistic with all of this. I have taken 5% real growth average as a given for future returns and even if this occurred, as I could pull the trigger on FI in 5 years which feels very tangible. It is now coming to my attention that I could end up with a loss ...

I'm saying that I am taking 4% of which above the principle amount would come from 1.7% dividends and then 2.3% that can only come from selling stocks as interest is not kicked off as an income like savings. My shares are simply worth more and the difference from when I brought them is called ...

The idea of selling my shares/bonds every year for 30-50 years seems to me like I will run out and that the basic 4% rule would not apply. I don't know how that 4% rule was performed or checked during the people checked. Would they have been spitting out dividends in an income portfolio of say 1.7 ...

Thanks Toska. It always struck me that 4% was quite low, I mean a couple years ago I could have got a 5 year UK savings ISA at 5% and a couple years before then, even at 8%. I guess the 4% simply accounts for the swings of the stock market and also it provides inflation protection which most other ...

Thanks for all your replies guys. Just to confirm then according to the trinity study etc, I need to calculate 4% of total portfolio. Which to me is two vanguard life strategy funds, one at 80% stocks and one at 60% stocks. I can then draw 4% in full and pay myself each month or keep the money in ...

Hi all,

I want to test my knowledge of withdrawing an income from my portfolio when I reach FI In 5 years time at 32.

Right, let's say that it is 5 years from now. My money has grown at a real 5% rate per year which would be nice. This is from my mix of 80/20 stocks bonds and some 60/40 stocks ...