Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 11-01-2020, 10:21 AM   #41
gone traveling
 
Join Date: Oct 2019
Posts: 1,631
Quote:
Originally Posted by Midpack View Post
I canít imagine how someone would manage a 16% annualized return over 11 years either or similar either.

Unless, as posted, you have a $70K (Pension/SS).

If that was the situation, you could live on $40k and invest the leftover into your other investments, then 16% NW growth may be possible.
Time2 is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 11-01-2020, 10:28 AM   #42
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 29,678
Even with a 3% WR it doesn't make sense. Below is Portfolio Visualizer run starting Nov 2010 to Oct 2020... 10 years. $1,000,000 portfolio on 11/1/2010 and $2,500/month inflation adjusted withdrawals (3% WR). Run with 60/40, 80/20 and 100/0.

10/31/2020 values are $1.9m, $2.3m and $2.7m.

https://www.portfoliovisualizer.com/...location2_2=20
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.

Retired Jan 2012 at age 56
pb4uski is offline   Reply With Quote
Old 11-01-2020, 10:47 AM   #43
Full time employment: Posting here.
Offgrid Organic Farmer's Avatar
 
Join Date: Feb 2018
Location: An Un-Organized Township of Maine
Posts: 801
Quote:
Originally Posted by Time2 View Post
Unless, as posted, you have a $70K (Pension/SS).

If that was the situation, you could live on $40k and invest the leftover into your other investments, then 16% NW growth may be possible.
My pension is a hair under $20k/year. After I retired we moved to a low COL area. Where we can afford to live on half of my pension. So we still have money to invest.
__________________
Retired at 42 and I have been enjoying retirement for 18 years [so far].
Offgrid Organic Farmer is offline   Reply With Quote
Old 11-01-2020, 11:05 AM   #44
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
RunningBum's Avatar
 
Join Date: Jun 2007
Posts: 11,123
Quote:
Originally Posted by jimbee View Post
I'm amazed some members were able to quadruple or quintuple their net worth in seven or eight years. That's huge.
How many people actually met this criteria? I only saw one, but maybe I missed some. Others had a longer retirement or less growth.
RunningBum is offline   Reply With Quote
Old 11-01-2020, 11:36 AM   #45
Thinks s/he gets paid by the post
Souschef's Avatar
 
Join Date: Dec 2015
Location: Santa Paula
Posts: 3,348
Quote:
Originally Posted by RunningBum View Post
How many people actually met this criteria? I only saw one, but maybe I missed some. Others had a longer retirement or less growth.
I was fortunate to fall into this one.
Attached Images
File Type: jpg prr.jpg (16.3 KB, 58 views)
__________________
Retired Jan 2009 Have not looked back.
AA 60/35/5 considering SS and pensions a SP annuity
WR 2% with 2SS & 2 Pensions
Souschef is offline   Reply With Quote
Old 11-01-2020, 11:39 AM   #46
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: NC
Posts: 16,973
Quote:
Originally Posted by Midpack View Post
I can’t imagine how someone would manage a 16% annualized return over 11 years either or similar either.
Quote:
Originally Posted by Time2 View Post
Unless, as posted, you have a $70K (Pension/SS).

If that was the situation, you could live on $40k and invest the leftover into your other investments, then 16% NW growth may be possible.
Except, "as posted" that particular one showed a 2% WR, so that's not the case. There were several very high RoR's with withdrawals posted that I can't imagine without some really exotic and sizeable asset classes. No biggie.
__________________
Life is a banquet at which most people starve.
Retired Jun 2011 at age 57

Target AA: 50% equity funds / 30% bond funds / 20% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
Midpack is online now   Reply With Quote
Old 11-01-2020, 11:46 AM   #47
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
RunningBum's Avatar
 
Join Date: Jun 2007
Posts: 11,123
Quote:
Originally Posted by Souschef View Post
I was fortunate to fall into this one.
That's impressive, but you answered 11 years. Dash man is the only one I saw that actually met the criteria.
RunningBum is offline   Reply With Quote
Old 11-01-2020, 02:04 PM   #48
Thinks s/he gets paid by the post
 
Join Date: Apr 2010
Posts: 3,942
Net worth has doubled. Have a DB pension. Withdrawals are less than one percent. Retired 8 years.
brett is online now   Reply With Quote
Old 11-01-2020, 03:43 PM   #49
Moderator Emeritus
W2R's Avatar
 
Join Date: Jan 2007
Location: New Orleans
Posts: 45,112
Quote:
Originally Posted by Time2 View Post
For those that have been retired for several years, what is the % increase cor decrease in your NW?
Years retired__11__
With pension or SS__Yes, mini-pension and SS_
Percentage increase__202%__ [EDIT: OOPS! After reading Midpack's post below, this is 102%. ]
Withdrawal rate*__1.2%__
* of Nest Egg only, if known.
I didn't plan it this way, but retiring in 2009 resulted in having a great SOR.
__________________
Happily retired since 2009, at age 61.
W2R is online now   Reply With Quote
Old 11-01-2020, 05:38 PM   #50
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Midpack's Avatar
 
Join Date: Jan 2008
Location: NC
Posts: 16,973
This is a very financially savvy crowd who knows if your portfolio doubles, that’s a 100% increase? A 200% increase means the portfolio tripled? A 400% return means a $1M portolio increased to $5M?
__________________
Life is a banquet at which most people starve.
Retired Jun 2011 at age 57

Target AA: 50% equity funds / 30% bond funds / 20% cash
Target WR: Approx 2.5% Approx 20% SI (secure income, SS only)
Midpack is online now   Reply With Quote
Old 11-01-2020, 06:32 PM   #51
Full time employment: Posting here.
jimbee's Avatar
 
Join Date: Oct 2010
Posts: 912
Quote:
Originally Posted by RunningBum View Post
How many people actually met this criteria? I only saw one, but maybe I missed some. Others had a longer retirement or less growth.
It was only one, the quintuple was eleven years. Still surprises me.
jimbee is offline   Reply With Quote
Old 11-01-2020, 06:48 PM   #52
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 29,887
Quote:
Originally Posted by Midpack View Post
I canít imagine how someone would manage a 16% annualized return over 11 years either or similar either.
Retiring in March of 2009?
__________________
Retired since summer 1999.
audreyh1 is offline   Reply With Quote
Old 11-01-2020, 06:54 PM   #53
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Koolau's Avatar
 
Join Date: Jul 2008
Location: Leeward Oahu
Posts: 6,105
Couple of possibilities regarding very high returns:

Folks who were good (or fortunate) might be more likely to post, heh, heh.

If you have a 10000 folks flip coins, a few of them will flip heads 25 times in a row.

Once in a while, there just might be someone savvy enough to pull off 2X to 4X increase in NW in a few years. Naaaaahhhhhh!

Selling a principle residence. This worked in reverse for me. I sold my principle residence (which I did not count in NW) for $150K. My investment property was worth maybe 3X that. I moved to the investment property and stopped counting it as part of NW. So suddenly, my NW went up $150K but dropped $450. I'm sure there are folks whose NW was affected in reverse.

As always ,YMMV.
__________________
Ko'olau's Law -

Anything which can be used can be misused. Anything which can be misused will be.
Koolau is offline   Reply With Quote
Old 11-01-2020, 07:06 PM   #54
Full time employment: Posting here.
Offgrid Organic Farmer's Avatar
 
Join Date: Feb 2018
Location: An Un-Organized Township of Maine
Posts: 801
Quote:
Originally Posted by Koolau View Post
... Selling a principle residence. This worked in reverse for me. I sold my principle residence (which I did not count in NW) for $150K. My investment property was worth maybe 3X that. I moved to the investment property and stopped counting it as part of NW. So suddenly, my NW went up $150K but dropped $450. I'm sure there are folks whose NW was affected in reverse.

As always ,YMMV.
If you keep changing your methodology, that just makes things confusing.

I have rental real estate that cost me $250k to buy, then I spent four years remodeling it spending an additional $150k. Now I figure that I have spent roughly $400k on this property.

My monthly rent income is $7800. We figure that about $2800/month needs to be set aside to cover all operating expenses. This leaves me with $5,000 a month as net profit [or $60k a year].

I think that $60k a year is roughly 15% ROI on $400k investment.
__________________
Retired at 42 and I have been enjoying retirement for 18 years [so far].
Offgrid Organic Farmer is offline   Reply With Quote
Old 11-01-2020, 07:15 PM   #55
Recycles dryer sheets
 
Join Date: Jul 2016
Location: Cypress
Posts: 172
Quote:
Originally Posted by Koolau View Post
Couple of possibilities regarding very high returns:

Folks who were good (or fortunate) might be more likely to post, heh, heh.

If you have a 10000 folks flip coins, a few of them will flip heads 25 times in a row.

Once in a while, there just might be someone savvy enough to pull off 2X to 4X increase in NW in a few years. Naaaaahhhhhh!

Selling a principle residence. This worked in reverse for me. I sold my principle residence (which I did not count in NW) for $150K. My investment property was worth maybe 3X that. I moved to the investment property and stopped counting it as part of NW. So suddenly, my NW went up $150K but dropped $450. I'm sure there are folks whose NW was affected in reverse.

As always ,YMMV.
We were one of the fortunate (very lucky) to have similar. Our NW has gone up 175% every year since I retired. Only had very low five figures at retirement and now sitting mid six figures. Just dumb luck by saving a portion of our income and living below our means every month. We received some unplanned cash infusions. And, most notable, got crazy lucky on a couple of real estate deals (could have easily gone the other way).

I don't anticipate seeing those returns going forward without pure dumb luck and falling into opportunities. But we don't need the money to live and can just "let it ride".
griffithee is offline   Reply With Quote
Old 11-01-2020, 07:56 PM   #56
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
RobbieB's Avatar
 
Join Date: Mar 2016
Location: Central CA
Posts: 6,572
Got a half million more than when I retired and been spending like a drunken sailor!

Bought some more fresh white truffles this year!
__________________
Retired at 59 in 2014. Should have done it sooner but I worried too much.
RobbieB is online now   Reply With Quote
Old 11-02-2020, 08:00 AM   #57
Recycles dryer sheets
 
Join Date: Oct 2017
Posts: 466
4 years for me and investment NW has increased $600k, which would be about 20% more than what I started with.


We live on about $60,000, which includes about $15k for health insurance. We lack for nothing and wouldn't live any different if we had twice as much.
Stormy Kromer is offline   Reply With Quote
Old 11-06-2020, 05:06 PM   #58
Thinks s/he gets paid by the post
rk911's Avatar
 
Join Date: Dec 2018
Location: DuPage County IL
Posts: 1,451
retired in ‘05. NW has nearly trippled. withdrawl rate is 0%, most of it in mutual funds but also a good chunk of cash. living off of pensions and SS. zero debt. life is good so far.
rk911 is offline   Reply With Quote
Old 11-06-2020, 05:19 PM   #59
Dryer sheet aficionado
 
Join Date: Sep 2020
Location: Boston area
Posts: 26
Some rough numbers

Quote:
Originally Posted by Time2 View Post
For those that have been retired for several years, what is the % increase cor decrease in your NW?
Years retired__5__
With pension or SS_0__
Percentage increase_30%___
Withdrawal rate*__4.5%__
* of Nest Egg only, if known.
Agapostemon is offline   Reply With Quote
NW
Old 11-06-2020, 05:56 PM   #60
Confused about dryer sheets
 
Join Date: Jan 2018
Location: Tucson, Chiang Mai, San Juans
Posts: 5
NW

Years retired 8
With pension 8
With SS 1
Percentage increase constant income
Withdrawal rate* high

NW of original nest egg in 2012 increased 11 fold. Much of increase occurred over past year with heavy investment in Tesla. Still holding.
slatoid is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Has your annual spend increased by inflation? intent FIRE and Money 36 08-06-2013 06:45 AM
Has your auto insurance premium increased? John Galt III FIRE and Money 24 09-09-2010 09:24 AM
Annual expenses increased or decreased over the retirement years? skyvue FIRE and Money 20 12-13-2009 09:08 PM
SWR - High initial rare that is decreased in stages with age chinaco FIRE and Money 12 02-20-2007 05:31 PM

» Quick Links

 
All times are GMT -6. The time now is 12:11 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.