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Retirement Investing Today by Retirementinvestingtoday - 3M ago

As a 46 year old now in Early Retirement it seems worthwhile to now share more detail on how I have as tax efficiently as possible tried to build my wealth so that I run out of life before I run out of wealth.  For some time now at a high level I’ve used the following approach, which of shared on a number of occasions, to know when to pull the trigger.  Track my spending religiously then adjust
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The fourth quarter of 2018 contained the pivotal moment of my FIRE journey so far – FIRE day.  Financially it represented the transition from rapid wealth accumulation to hopefully well managed wealth decumulation or drawdown.  As I write this though more importantly it also represented the start of what seems to be called the decompression phase of retirement and I’ll freely admit I’m finding
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Retirement Investing Today by Retirementinvestingtoday - 4M ago

A little over 7 years ago (late 2011) I started to build a UK High Yield Portfolio (HYP).  It was a much talked about strategy back in the Motley Fool forum days and today still gets plenty of attention on the Lemon Fool forums.  I continued building the portfolio until July 2015 by which time I’d amassed 17 shares across multiple sectors.  That included a token amount of Royal Mail Group (
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Retirement Investing Today by Retirementinvestingtoday - 5M ago

The organisation I up until recently worked for closes its year at the end of December.  With shutdowns between Christmas and New Year it meant that the run in to the Christmas bank holidays were always absolutely manic.  It meant long hours and little time to soak up the Christmas spirit until the physical bank holidays were upon us. Christmas 2018 is my first FIRE Christmas and things have
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It hasn't been all bureaucracy It’s been 3 weeks since I FIRE’d (financially independent and retired early) and we are now logistically pretty much settled in Cyprus.  I thought it might be worthwhile to capture some learnings for those that might want to someday follow in our footsteps as well as showing a little of how it’s all fitting into the principles that I’ve been espousing on this
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When I started my journey to FIRE (financially independent, retired early) in late 2007 there wasn’t much on the topic in the public domain.  To my knowledge at that time the term FIRE hadn’t even been coined and the US based Jacob at Early Retirement Extreme was just getting going with his blog. When I started this blog in late 2009, which was predominantly aimed at holding me accountable,
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Retirement Investing Today by Retirementinvestingtoday - 6M ago

“Retirement is the withdrawal from one's position or occupation or from one's active working life. ...  Retirement is generally considered to be "early" if it occurs before the age (or tenure) needed for eligibility for support and funds from government or employer-provided sources. Early retirees typically rely on their own savings and investments to be self-supporting, either indefinitely or
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Retirement Investing Today by Retirementinvestingtoday - 7M ago

In recent weeks there appeared to be a glimmer of hope appearing that I might be able to get a little more interest on my cash and cash-like (NS&I Index Linked Savings Certificates) holdings.  This was of interest to me as I currently have in excess of £300,000 in these products in readiness for a home purchase and to help me live off dividends only in my soon to be early retirement. It started
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Latchi, Cyprus at dusk With my work notice period now nearing completion I’m actually a little surprised at the calm in the RIT household.  Hopefully this means we believe we are reasonably well prepared and probably more importantly means that we still believe we are doing the right thing. At work we’re just completing 2019 plans and I’m not excited by any of it which is a new feeling for
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Retirement Investing Today by Retirementinvestingtoday - 9M ago

It’s no secret that Personal Finance is a hobby of mine (498 blog posts help reinforce that) and within that hobby I’ve done a reasonable job of DIY investing myself to FIRE using the knowledge I’ve gained to focus on a few mechanical principles.  I would suggest that this has also been helped by having a “head vs heart” approach to life, a reasonable grasp of maths, gaining a sense of
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