Search found 985 matches

by wolf
Fri Feb 21, 2020 2:01 pm
Forum: Introduce Yourself
Topic: Hi from Indiana
Replies: 2
Views: 187

Re: Hi from Indiana

Welcome
by wolf
Mon Feb 17, 2020 12:10 am
Forum: ERE Journals
Topic: johngalt's journal (France)
Replies: 12
Views: 2100

Re: johngalt's journal (France)

Welcome back! Great development on the financial front. What have you done all those years (in regards of ERE)?
by wolf
Sun Feb 16, 2020 1:14 pm
Forum: Money Questions
Topic: Multifactor investing
Replies: 16
Views: 807

Re: Multifactor investing

That's the tradeoff. Either I want good diversification by investing into the US stock market, or I'll try picking stocks and try to outperform the US market. Of course the risk is to underperform the US market as well. In this case (the mentioned 20-30) stocks I refereed to the US stock market. I w...
by wolf
Sun Feb 16, 2020 12:27 am
Forum: Money Questions
Topic: Multifactor investing
Replies: 16
Views: 807

Re: Multifactor investing

I talk about 20 to 30 stocks
by wolf
Sat Feb 15, 2020 11:42 am
Forum: Money Questions
Topic: Multifactor investing
Replies: 16
Views: 807

Re: Multifactor investing

Yes iDave, I'll do that. That's kind of a check. @ToFi: I'll want to achieve the following things: I don't want to invest into an index fund. I want to achieve a better sharpe-ratio compared to the index, in this case msci usa. In another way I'll want the same as you mentioned: maximizing return wh...
by wolf
Fri Feb 14, 2020 11:44 pm
Forum: Money Questions
Topic: Multifactor investing
Replies: 16
Views: 807

Re: Multifactor investing

I look into it. Thanks for the suggestion. Haven't heard about it before.
Criteria would be: P/E, P/B, LT Debt/Equity, RoE, etc.
by wolf
Fri Feb 14, 2020 10:18 am
Forum: Money Questions
Topic: Multifactor investing
Replies: 16
Views: 807

Multifactor investing

Does anyone have experience with multifactor investing? My idea is to invest 20% of my portfolio with a multifactor investing strategy. Specifically, I‘d like to invest into large US equity. I don‘t want to by an index ETF, I‘d want to invest actively into stocks and pick them by myself. In order to...
by wolf
Fri Feb 14, 2020 9:43 am
Forum: Introduce Yourself
Topic: late 40s Italian semi- retired
Replies: 2
Views: 360

Re: late 40s Italian semi- retired

welcome. have you been living frugally already before you discovered ere?
by wolf
Mon Feb 10, 2020 11:38 pm
Forum: Introduce Yourself
Topic: Salutations!
Replies: 3
Views: 279

Re: Salutations!

Welcome!
by wolf
Sun Feb 09, 2020 12:18 am
Forum: Lifestyle Questions
Topic: Web of goals examples
Replies: 7
Views: 830

Re: Web of goals examples

It's important that you all figure that out by yourself. Of course, you could get some inspiration of others, but in the end, it is totally dependent on your situation, preferences, etc. And it will/could change with time. I've written about my "web of goals and processes" in my journal, starting he...
by wolf
Sun Feb 02, 2020 9:23 am
Forum: ERE Journals
Topic: RoamingFrancis' Path to ERE
Replies: 50
Views: 2541

Re: RoamingFrancis' Path to ERE

AxelHeyst wrote:
Fri Jan 24, 2020 12:56 am
1 Jacob = $7k/yr, yes. (He spends less now apparently, but the original 7k thing stuck as the basic unit of measurement).
and then there is also 1 JAFI (jacob adjusted for inflation)
2019 $8,631 equals 1 JAFI
viewtopic.php?p=204324#p204324
by wolf
Sun Feb 02, 2020 1:25 am
Forum: ERE Journals
Topic: Axel Heyst's Journal
Replies: 79
Views: 4258

Re: Axel Heyst's Journal

Those were some great journal posts. And many thanks to the chart with the JAFI multiplier, level of comfort, ... Figure out how to get my food and 'discretionary' spending per month down to reasonable 1JAFI compatible levels. ... So no more fiddling - February is about making a sharp course correct...
by wolf
Fri Jan 31, 2020 1:33 pm
Forum: ERE Journals
Topic: Lightmyfire's FIRE Journal
Replies: 8
Views: 530

Re: Lightmyfire's FIRE Journal

Hi. That's a pretty detailed budget and cost analysis.
How did it come that you have been frugal right from the start in your early 20s?
And have you also started to invest into stocks back then? Before or after the dot-com crash?
by wolf
Thu Jan 30, 2020 11:40 pm
Forum: Introduce Yourself
Topic: Greetings from the desert southwest
Replies: 3
Views: 319

Re: Greetings from the desert southwest

Welcome!
by wolf
Wed Jan 29, 2020 11:32 pm
Forum: ERE Journals
Topic: 2020
Replies: 72
Views: 10788

Re: 2020

Would/Could you draw down from pensions ?
by wolf
Wed Jan 29, 2020 10:58 am
Forum: ERE Journals
Topic: FI in Sweden
Replies: 45
Views: 7079

Re: FI in Sweden

I see, thanks for the explanation. Still, I am not arguing for an 100% now. Rather I argue what is described in the link. It's called Equity Glidepath. You start at 60/40 now and move slowly over the course of the next ten / fifteen years to 100%. I don't have higher returns in my mind, rather I thi...
by wolf
Wed Jan 29, 2020 5:41 am
Forum: ERE Journals
Topic: Generation-X' Journal
Replies: 317
Views: 70693

Re: Generation-X' Journal

Wow, that sounds exciting. A multi-year road trip in the States sounds really good. That would be also one of my ideas if I lived in the States. Will you work and earn some income during your next phase of life?
by wolf
Wed Jan 29, 2020 12:03 am
Forum: ERE Journals
Topic: WorldIsNuts Journal
Replies: 7
Views: 415

Re: WorldIsNuts Journal

Welcome Matt! Looking forward to read your thoughts about the "Renaissance Man" maybe.
Have you had already a look into the 21 day makeover? It's well worth it, too besides the book.
by wolf
Tue Jan 28, 2020 11:59 pm
Forum: ERE Journals
Topic: FI in Sweden
Replies: 45
Views: 7079

Re: FI in Sweden

Why do you feel for a more defensive strategy? If I remember correctly you are in your 30s. It's a long time to draw down from your investments. In the short time you may feel more secure by adding bonds, but there are long term risks involved regarding inflation. You may find that article by ERN in...
by wolf
Tue Jan 28, 2020 3:09 pm
Forum: ERE Journals
Topic: Seppia's journal
Replies: 237
Views: 34912

Re: Seppia's journal

Congrats to you! :-)