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Also, keep in mind that a withdrawal strategy could vary significantly depending on your age, ability to work if needed, and personal preferences. There is no perfect early retirement withdrawal plan to copy. Your investments are like a large lake or reservoir full of water. When you are working, you save money and continually fill the lake up.
But when you stop working or go part-timethe reservoir has to support you on its own. In the past, pensions were a primary solution to this challenge. People retired in their 60s, and if they were lucky, a pension typically from a former employer comfortably paid their bills until they died.
But outside of military and some other government worker plans, pensions are by and large a relic of the past. You must create your own pension. You can estimate your future social security benefits here.
So, a personal reservoir of retirement savings is still a necessity. So, the plan for most of us is to build up our own reservoir of savings as large possible. This is also called building wealth. You may have heard that a nest egg of 25x your annual expenses is a reasonable goal for financial independence.
And this makes you vulnerable to something called the sequence of returns risk. This means that if you sell at the wrong time, like right after a major stock market crash, you could permanently disable your portfolio.
This combination of factors allows you to build a simple real estate portfolio where you never have to eat into your investment principle. This means your rentals should be able to buy the same amount of lifestyle in 30 years as they do today. This allows you to pay for your lifestyle expenses with more ease goal 1 of a good withdrawal plan.
And why is not reducing your principal important?
And not running out was my goal 2 of a withdrawal strategy. This approach also makes the early retirement math a lot simpler. When your real estate investments produce enough net rent to safely covers your lifestyle expenses, you can relax a little bit.
And after reaching this milestone, there is little need to sell investments to support your living expenses.
You may choose to sell for other reasons, like improving your portfolio. They pick a portfolio of individual stocks that pay higher than average dividends, and the income performs in a similar way to rental income within a withdrawal strategy. But other assets like a bank certificate of deposit CD and broadly diversified funds of stocks or bonds give a much lower income yield at least as I write this in The rate on ultra-safe year U.
Treasury bonds is slightly higher 2. With a portfolio of year treasury bonds at 2. Every asset has its pluses and minuses and proper place in an overall diversified portfolio. Let me explain how. In the book, Darrow recommends a hybrid approach where you first build an income floor to cover your essential expenses.
Then he recommends upside investing to provide for discretionary expenses, future uncertainties, and inflation.
Darrow describes the difference between essential expenses and discretionary expenses as follows. For me, essential expenses allow for a small condo or townhome, food, insurance, medical care, taxes, and utilities.
To cover the essential expenses, Darrow likes to build an income floor with safe, consistent, income-generating assets like annuities, pensions, and social security income. These assets do not always provide inflation hedges or a lot of personal control over performance, but they do lock in guaranteed income and give predictability and security to your financial life.
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