If you had $170k and could add $40k a year, what portfolio would you go with to retire in 10 years? Assuming you withdraw 3.5% for 40-50k a year
>>62342681This post will be hilarious ten years from now
>>62342703Please no doomer posting. Escaping waging is the only thing I have to look forward to
>>62342681Assuming 11% annual returns, you get close to withdrawing $50k annually with this capital allocation (need $1,428,571, get $1,504,454 investing lump sum at the beginning of each year)This brief analysis did not account for taxes, which is why I say you'll be close.
>>62342759what allocation?
>>62342720Good luck fren. Be careful
>>62342787thanks fren, so far have asked an LLM and it's said go all in VT and settle for lean FIRE for 30-35k a year and maybe a part time job or geomaxx
20% gpix, 20% qdvo/idvo/divo, 40% schd/dgro/vym, 20% spmo. Dont auto reinvest, buy whats cheaper at he time unless the balance is way off. Thats the equity allocation. Equity/cash/margin levels at any given time determined by macro environment. Right now i would want a minimum 20% cash, but would go up to 1.3x leverage if there was a crash into qe+lowering rates, and maybe more cash for the opposite
>>62342803That llm is dumb as fuck. Most of this should be in your brokerage. It would be helpful to know your current income and tax situation to make better choices, but youre gonna get straight boglehead dogshit that isnt going to work for your plan. You should understand the tax code. The 401k shouldnt be bigger than your brokerage. You can also do 401k loans while youre working, and then split the rollover into multiple iras to roth convert or 72t if you want to really optimize taxes and account allocations. For sure take any 401k match into pretax, max the hsa and roth ira. More in the 401k depends on your willingness to juggle shit and if there are good fund options and low fees. It dosnt make sense to have some of the funds i listed in tax advantaged accounts so thats another issue. Those are the funds I like that all should grow nav and dividends over time, even with no reinvestment. You could use fewer funds and get very similar profiles but there is always risk a fund closes and you dont want too much liquidated at once.
>>62342681I'm at around similar numbers and don't think it's achievable in 10 years unless you are very lucky, or planning to go live in a low cost of living country (shit hole tier).Assuming a conservative 5% a year of dividends you would need 400K for 20k a year before taxes. 20k would probably go a long way in Thailand or something if you don't spend it all on ladyboy whores.You still need to make it to the 400K tho.I'm not seeing any easy escape from waging. If I can reach this amount of money, I could probably work part time and not give a fuck and go somewhere cheap. But that also fucks me up to purchase a home because my capital is generating income. If I park it into a house I need to wage again.So I need more aggressive investing aka gambling. Or to find a secondary wage gig
>>62342681Is this some kind of retard trick question? You're putting in 40k but your pulling out 40k-50k a year? Nigga you're going broke. You're just even. That means you're not putting away 40k, you need that shit to live. I'd just dump the 170k into VOO forget about the whole investing thing at that point and just setup a website to start pressure washing driveways or cat and dog sitting until im making 6 figures in actual income. You can't make 170k by itself into a an investment you can actually live off of unless you get extreme alpha or get very lucky. Nonetheless keeping that luck up over 10 years if you're somehow pulling off 30% returns consistently.
>>6234268130% in bitcoin/ethereum and 70% in megacap tech stocks. That's how I was able to make it in 10 years.
>>62344597>>62344615>>62344644>>62344699>>62344713What do you guys think of going 90% VT 5% SPCX 2.5% IBIT 2.5% MSTR from now on? I know all in BTC worked in the past but I feel it's just survivorship bias, can't replicate the risk old tactics expecting the same thing
>>62346027very solid
>>62342681Polkadot on coinbaseAll staked
>>623490030 chance
>>62342681My FIRE portfolio High yield dividend paying preferred stocks and commonsDLRPRLGNLPRAARCCCore Medium to low yield proven stocksPMKOPEPWMTATOCVXHDLOWCATCWABBVCOPXOMYORWBXSafe technology concentrationMSFTAMZNGOOGMETAOther high conviction long termGRCAMATTERETNSYKCSCOHWMBe patient, reinvest dividends, sideline some cash to buy on corrections, and don't fucking sell.$100 invested in MSFT each month for the past 20 years would be worth ~$1mil today it's actually that easy to make it /biz/
