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Just saying hello
Old 03-19-2010, 03:07 PM   #1
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Just saying hello

I've been a lurker for I guess two or three years. You all have a really great message board here. I have really enjoyed reading the posts, especially during the financial crises not too long ago.

I am 33 and work in IT. My goal is to semi-retire around age 45, probably continuing to work in IT but as part-time or as a consultant. I'd also like to try expating (no particular country in mind) someday if I can convince a company to pay for it.

I am a natural when it comes to LBYM. I've always had extra savings available but for a long time had no idea how to invest. I found the morningstar forums and bogleheads around three years ago and have learned a lot from them. I would say I follow a mixture of both the boglehead strategy and the "income and dividend", devotees over at morningstar, strategy. I prefer to use broad market cap weighted indexes when possible, while also keeping an overall dividend yield of between 3% and 4%. I'm also a "PSSST Wellessley" fan, which takes up all of my Roth IRA. Overall I am about 80% stocks and 20% bonds.

Ok, back to lurking.
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Old 03-19-2010, 03:20 PM   #2
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Hi...nice to see a lurker...ummm...unlurk.

Jump in and post more often...after all you'll get all those nifty stars under your user name!
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Old 03-19-2010, 03:21 PM   #3
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Hey, glad you came out of the shadows.

We share some commonalities. I am 36 and work in IT. Like you, my goal is to semi-retire at 45.
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Old 03-19-2010, 03:24 PM   #4
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I guess I'll also add that I've currently got about $170k in investments and have been adding an additional $1,500 to $2,000 a month. In addition I am vested in a state government pension which appears to be sound.

It is getting pretty exciting as the money piles up, as the investment returns are now playing a larger roll. Up until recently it has all been brute force savings doing the work. My money is spread out globally. So, as long as some part of the world is doing ok, hopefully my returns will end up being ok.

I am really looking forward to reaching a point where investment returns are larger than my contributions.
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Old 03-19-2010, 03:26 PM   #5
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Hey, thanks to both of you for welcoming me. I'm a lurker by habit but maybe I will break out of that.
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Old 03-19-2010, 04:53 PM   #6
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And the similarites continue...I am also vested in a state government pension. It's like I'm talking with myself three years ago.
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