Safe Withdrawal Rate Experiment – Month 32 – July 2017

<Standard Introduction> So I’ve been running an experimental portfolio for, blimey, two and a half years now.  The idea was to start with a fund of £625k and then withdraw 4% annually, in monthly instalments, just to see what happens.  The would give someone £25,000 a year to live off. Historic investigations concluded that a 4% withdrawal rate gives a reasonable… Read more »

Forons

Mr Zombie   July 31, 2017   19 Comments on Forons

The financial side of my brain has been programmed over the last few years to make quick and beneficiary financial decisions (at least in the sense that they aid my quest for financial independence). Sure, there are some circumstances that require deeper thought, a bit of prodding about inside my grey matter,to come up with a sound decision.  But for… Read more »

Safe Withdrawal Rate Experiment – Month 31 – June 2017

<Introduction> So I’ve been running an experimental portfolio for, blimey, nearly two and a half years now.  The idea was to start with a fund of £625k and then withdraw 4% annually, in monthly instalments, just to see what happens.  The would give someone £25,000 a year to live off. Historic investigations concluded that a 4% withdrawal rate gives a reasonable… Read more »

Savings Diary: June 2017 Update – What a Cracker

I managed to squeeze in a couple of weeks off work last month.  Most of it was spent at home, fixing up some old reclaimed Victorian doors and hanging them, playing video games and just relaxing.  An introduction to Financial Independence. At the time of starting to write this is, it’s been less than a week since returning to and… Read more »

A Rough Life

Mr Zombie   June 20, 2017   11 Comments on A Rough Life

He is awoken from slumber by a repetitive beeping.  Rolling over, he silences the alarm for exactly ten minutes.  He’s tired. 10 peaceful minutes pass, then he climbs out from a warm cocoon made of blanket and mattress to an indoor atmosphere, perfectly heated to a cosy 21 degrees celsius.  Swings his bare feet onto plush carpet and yawns.  Another… Read more »

Safe Withdrawal Rate Experiment – Month 30 – June 2017

So I’ve been running an experimental portfolio for, blimey, nearly two and a half years now.  The idea was to start with a fund of £625k and then withdraw 4% annually, in monthly instalments, just to see what happens.  The would give someone £25,000 a year to live off. Historic investigations concluded that a 4% withdrawal rate gives a reasonable chance… Read more »

Financial Independence RPG: Update

Gawd Dammit!  Somewhere in my unintended break from writing I crossed over a major threshold.  Oh yes, that’s right, I levelled up in the FI RPG. My continued savings efforts have rewarded by an upgrade from Level 2: A Finance Barbarian, to Level 3: A Thrift Warrior.  How awesome. And what exactly is a thrift warrior? You have replaced the financial head butts… Read more »

Savings Diary: April 2017 Update

Like a Kraken breaching the surface, I return. I’ve set myself a couple of financial goals in order to track my progress to Financial Independence.  Keep It Simple Shithead, and all that. The most important of these is tracking my savings rate.  Tracking it and, of course, setting a challenging target.  Something like 60%.  Then, once that becomes normality, I’ll… Read more »