Search found 9 matches

by eurobogle
Wed Jan 11, 2017 4:51 pm
Forum: Investing - Theory, News & General
Topic: Incremental retirement?
Replies: 11
Views: 1235

Re: Incremental retirement?

This might or might not be a fine idea depending on what you would do with the time. Sometimes a full time job is just too much of a grind, but working half time is great. Or you have some hobbies or volunteer work you really want to do and so you are willing to push our retirement as the trade for...
by eurobogle
Wed Jan 11, 2017 3:54 pm
Forum: Investing - Theory, News & General
Topic: Incremental retirement?
Replies: 11
Views: 1235

Re: Incremental retirement?

Well, that depends. If you're spending 3/4 of your take-home pay annually, going half-time would cause you to run a deficit and deplete the savings you have built up. My model says otherwise. I wonder what the difference is? Do you account for investment returns during the accumulation phase? Or ha...
by eurobogle
Wed Jan 11, 2017 12:28 pm
Forum: Investing - Theory, News & General
Topic: Incremental retirement?
Replies: 11
Views: 1235

Re: Incremental retirement?

The key concept here is flexibility. [...] As long as you do not make any decisions that you cannot take back, it seems like an interesting plan. I like this way of thinking. However, I do see this plan as an irrevocable decision to spend a decade (say) with a more variable lower-bound on income an...
by eurobogle
Wed Jan 11, 2017 7:00 am
Forum: Investing - Theory, News & General
Topic: Incremental retirement?
Replies: 11
Views: 1235

Incremental retirement?

Question: If I have accumulated 50% of my retirement savings (based on SWR model) then is it safe to "50% retire" immediately? I mean: Could I immediately start to draw half of my living costs from my retirement portfolio (supposing this were accessible) and then continue working to (a) pa...
by eurobogle
Sat Jan 07, 2017 12:03 pm
Forum: Investing - Theory, News & General
Topic: Swiss Franc back down?
Replies: 4
Views: 546

Re: Swiss Franc back down?

Thank you both for the excellent replies. This casts a negative light on the strategy of earning Euros, investing them in a world-diversified portfolio, and waiting for the Franc to come down. This would be fine if the full story were that the Franc is temporarily overvalued. However, it is less att...
by eurobogle
Thu Jan 05, 2017 9:14 am
Forum: Investing - Theory, News & General
Topic: Swiss Franc back down?
Replies: 4
Views: 546

Swiss Franc back down?

Innocent questions: Why has the Swiss Franc (CHF) risen so much value against the Euro over the past 10 years? What economic forces might plausibly pressure it back down to 2007 levels? I ask because I live in Switzerland but my income is from abroad and my investments are internationally diversifie...
by eurobogle
Sat Jul 19, 2014 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: IEAG for European three-fund portfolio
Replies: 2
Views: 375

Re: IEAG for European three-fund portfolio

Being correlated with equities sounds unfortunate. I understand that a big reason for the stock/bond split is to be able to rebalance for stability.

I live in Switzerland but I don't want to buy government bonds here because the economy seems too small. German bonds instead, then?
by eurobogle
Thu Jul 17, 2014 2:02 am
Forum: Investing - Help with Personal Investments
Topic: IEAG for European three-fund portfolio
Replies: 2
Views: 375

IEAG for European three-fund portfolio

I am using the iShares Euro Aggregate Bond UCITS ETF for the bonds component of my simple European three-fund portfolio.

Is this a good choice? If not, why not and what should I consider instead?
by eurobogle
Sat Jun 07, 2014 6:51 am
Forum: Investing - Help with Personal Investments
Topic: First investment plan, for early retirement
Replies: 1
Views: 339

First investment plan, for early retirement

Hello! We have made our first investment plan and would love some feedback about how it suits our goals. Background: Young family (30s) living in Europe. Investment Philosophy: Enjoy today and be prepared for the future. Objectives: ⋅  Retire early. ⋅  Have "retirement asset...

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