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Tag Archives: Sequencing Risk
Your heresy shall stay your feet – why you shouldn’t just invest in equities
The most popular approach to reaching FIRE here in Australia seems to be investing solely in equities, either Australian only or with some international shares as well. It’s a strategy expounded by some of the more prominent bloggers and any … Continue reading
Making a bigger safety net – how much longer does it take to get to a 3% withdrawal rate
There’s been a lot of work done recently on sequencing risk and safe withdrawal rates for Australian investors. Dan over at Ordinary Dollar has done some fantastic work with his series and I’d like to think that I’ve contributed something … Continue reading
The shockingly complex math behind early retirement
Almost everyone in the FIRE movement has heard of Mr Money Mustache. He wasn’t the first person to talk about FIRE, but he was certainly one of the people to popularise it with his blog. Perhaps his most famous post … Continue reading
How long will it take to hit FIRE?
This is one of the big questions, once we start out on this journey how long will it take to actually being able to declare financial independence and never work again? We’ve all had a play around with spreadsheets, whether … Continue reading
Can we control when we hit FIRE?
As I’ve talked about a number of times previously returns aren’t smooth and so we have to worry about sequencing risk ie a big fall in the value of our investments at the wrong time derailing our plans for FIRE. … Continue reading
Why does everyone want to put out the FIRE?
There have been a number of articles in the mainstream media criticising the FIRE movement, some with valid points and others not so much. I’m not sure why there has been so much attention recently, but I’ve tried to take … Continue reading
Sequencing risk, the Trinity Study, and the 4% rule in Australia
I’ve written plenty of times previously about sequencing risk and the 4% rule aka the Trinity Study and they’re areas which the FIRE community are very much interested in. For those who are new to the subject, the Trinity study … Continue reading
Sequencing risk on the road to FIRE – returns aren’t smooth and why it matters
Sequencing risk for those of you who haven’t heard of this enthralling topic previously is the risk that the order and timing of your investment returns is unfavourable and results in you having less money than you would if your … Continue reading
Sequencing risk, dividends, and retiring at the end of a bull market
What is sequencing risk you ask? It’s having bad/negative returns on your portfolio at the wrong time, typically at or near retirement which is normally when you’ve got the most money in your portfolio. For the average Non FIRE person … Continue reading