Tag: Investing

Financial review at 30 June 2019

Half Year Summary A total return in the year to date of 11.70%, slightly behind the index, results after draw-down expenditure in a capital uplift of 9.65%. Introduction I review my/our financial situation at the end of each month so as to track where we are, and also because I find it interesting. I’d now…

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Investing a lump sum

These are some ideas I passed on to a friend recently about taking a first step into investing in shares: Dear I was told that you have a lump sum of cash and are considering how to invest that for yourself and your children. I have some ideas on how I would deal with this which…

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You can live on 4% (so far so good)

I’d like to say more about my experience so far of living on 4% (or thereabouts) of my drawdown funds each year. Five and a half years ago I quit my job with a view that I could live on my existing assets if I chose to. I finished work in December 2013 so I…

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Can you live on 4%?

The 4% “safe withdrawal rate” (SWR) is often mentioned on financial independence blogs (e.g. Monevator) or in books (e.g. Reset). I view it as a guideline based on a specific historical model. I prefer to use natural yield as my guide. Having ceased paid work just over five years ago I have now calculated how…

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The Brexit blues

The news is full of Brexit news this week with various parliamentary votes happening. There is much concern about whether we leave or postpone or remain, and whether we have a deal or not. I don’t want to get into all that but I do want to consider the investment situation. There are many global…

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