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Yeah this is the catch with renting our house, but to be fair, where we live, about 70% of people, if not more, rent rather than own due to the massive expat population. I do not want to sell so renting is the only option. Thankfully the house is pretty basic and easily maintained. So fingers...

Thank you This seems to be pretty much what I have done to date. All assets are in 12m Fixed Deposits at circa 5% for 1 Yr. And starting this month, each month's surplus will go into global ETF and continue for next circa 24 months. Once the FDs mature, will decide what to do then depending...

100% agree This is exactly what has stopped me from investing up to now The fear of loss I know it is irrational It has taken me a significant amount of heartache and stress to get to the position we are currently in financially, and it ain't over yet, mainly because I detest the industry I...

Just purely out of interest, if you had 1.2m ready to invest in a global ETF, you think you would drop it as a lump sum or you would even it out over a number of months? If over a period, what would you aim for? I suppose the decision could be affected by market performance at the time the 1.2m...

Great, thank you for the pointers and info, really helpful.

Thanks, I'll do that. Can I also please ask. If I am being advised by an independent FA (they don't get paid based on what I choose to invest in, they just provide advice for a low flat yearly fee), to buy a Bond ETF such as that in the screen shot below, why on earth would I chose this bond...

This is where I am getting slightly confused. I always thought of fixed income as being exactly that; you have it so you know exactly what you are receiving as income each year, without thinking about the face value of it because you know you will get the same amount back as invested upon...

Hi. Thanks. Whem you say 'keep multiple years of cash flow in the fixed income tranche', you are referring to the face value of the fixed income e.g. the bond value if you were to sell it, rather than meaning the actual income derived from that investment?

Hi. Thank you. I don't know about TIPS, I will research. The 150k is additional to the estimated 1.8m. My idea was/is to live on the 150k as long as it lasts from when we 'retire' in Jan 26 to allow our invested money to, hopefully, grow. The 150k would be held in a high interest account...

Thanks, I'll read up Say you need 100k to cover expenses in a year of a down market but your fixed income is only providing 20k, and these are your only two income streams, you still have to sell off some equities to cover the gap. Is the idea simply that the Fixed income portion reduces the...

Hi. First post; just found the forum today. Looking for a bit of guidance please if anyone feels so inclinded. My wife and I are looking to retire in 2026 at respective ages of 42 and 45 (despite my username, I cannot quite believe I am so close to that age). Have been expats in Middle East...