Few things occupy the minds of our financial independence/early retirement (FIRE) community as much as safe withdrawal rate (SWR). Much digital ink and sizable amount of print ink has been spilled on this subject over the past few decades, and theories are refined with various adjustments. The consensus view – if I can call it that […]
I love Rockstar Finance (RF). It is my ‘go to’ resource to see what’s happening in the personal finance blogging world. I have had the privilege of having a number of my articles featured in RF and enjoyed the warm blanket feeling of seeing thousands of visitors on my site on the day I am rockstar’ed! […]
Simply safe dividends – that’s what every dividend stock investor wants. Even if you are undecided on the ‘eternal’ debate between index fund investment and dividend stock investing, it stands to reason that you want your investments to grow. Growth, keeping up with inflation or going beyond it, can only happen if the business you […]
Funny thing, this financial planning stuff. You are asked to guess, for the coming years or even decades, how much will you be spending every year, and how much income or growth will your money deliver, and also, when will you die! If we knew all of this with certainty, there isn’t much left to […]
Few of us are so lucky as Mr. Confucius advised. For vast majority of wage earners in the world, our job is not only a means to use our skills but increasingly the main source of income to support our life and family and to provide for our retirement (for those who have pensions or […]
After last week’s article explored why many multi-millionaires are worried about money, today we focus on another angle. Not exactly millionaires, but affluent retirees are also worried about running out of money. So, they chronically under-spend, leaving big portfolios and delighted heirs behind. Bloomberg’s article on this subject shared some interesting facts. I will […]
Efficiency is beautiful. Nature gives us so many examples. Out of the millions of sperm that try and enter the fallopian tube, only one finally enters the egg. The moment it does, the door is shut for all others around it. No matter how many millions of sperm try, only one can enter. The fertilized human egg […]
You may have read several studies that successful long term investing requires the ability to invest efficiently, have enormous patience and faith in the markets to eventually deliver the goodies for your retirement. We also saw in an earlier article, that patience, especially to survive the dog years of investing, is a key requirement. How […]
The journey of life is long, complicated and is never a straight path. Same applies to our financial journey as well, as finances mirror our lifestyle and choices. So, we must stay humble and kind. The elegance of steadily compounding financial returns are merely that…just elegant. It’s funny we model financial portfolio growth using […]
Fear is everywhere. Our politicians scare us about a doomed future if they aren’t elected or if any of their policy proposals are rejected. TV reporters paint fearful pictures of our communities, our nation and our world by the images and news that incite fear and negativity – right in your home’s 75 monstrous inches of full HD 1080p resolution […]