How about that stock market!

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JDs Couch said:
The USD crashed over 10% in value over the past 6 months, its worst performance since the 1973 OPEC Oil Crisis. As investors flee America for Europe, the Euro had the largest 6-month gain in its history, around 12.7% increase vs. the dollar! A Euro was worth $1.04 early this year; now it is worth $1.18.
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Euro was worth $1.20- ish when I was in Amsterdam in 2007.
 
Hit my all time high in the market yesterday, 3-July-2025.

I'm considering retiring even earlier, instead of waiting until next year as I planned; already drafted my resignation letter. Now just considering when to send it.
 
rsm said:
Hit my all time high in the market yesterday, 3-July-2025.

I'm considering retiring even earlier, instead of waiting until next year as I planned; already drafted my resignation letter. Now just considering when to send it.
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Cool. Out of curiosity, are you set for a 4 or 5% SWR? This is something Mrs. SP and I are struggling to figure out (IOW when is there enough for her to quit coroprate life).
 
SatanicPanic said:
Cool. Out of curiosity, are you set for a 4 or 5% SWR? This is something Mrs. SP and I are struggling to figure out (IOW when is there enough for her to quit coroprate life).
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Yes only as a validation check, however I don't plan to use any principal for my living expenses in retirement....

I have a small portion of my investments focused on income generation to provide retirement income; the dividend yields produce enough income and more for what I need in retirement, or will once I finish rebalancing my income portfolio this year.

Most of my investments are in aggressive growth and growth, that I should not need to touch for any reason in retirement, other than rebalancing for tax management during good years. This is what I plan to put into a trust eventually.


Be aware of inflation, taxes and healthcare costs - which most fail to consider or make costly mistakes when planning for retirement income.

In the US retired couples spend an average of $350K on healthcare costs in retirement; more retirees go bankrupt due to unforeseen healthcare costs than any other reason.
 
rsm said:
Yes only as a validation check, however I don't plan to use any principal for my living expenses in retirement....

I have a small portion of my investments focused on income generation to provide retirement income; the dividend yields produce enough income and more for what I need in retirement, or will once I finish rebalancing my income portfolio this year.

Most of my investments are in aggressive growth and growth, that I should not need to touch for any reason in retirement, other than rebalancing for tax management during good years. This is what I plan to put into a trust eventually.


Be aware of inflation, taxes and healthcare costs - which most fail to consider or make costly mistakes when planning for retirement income.

In the US retired couples spend an average of $350K on healthcare costs in retirement; more retirees go bankrupt due to unforeseen healthcare costs than any other reason.
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Interestingly, the US is the country with the most medical bankruptcies in the world, more than all other countries combined. I love the people of the USA and therefore wish them freedom from this terrible fate.
 
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JDs Couch said:
Interestingly, the US is the country with the most medical bankruptcies in the world, more than all other countries combined. I love the people of the USA and therefore wish them freedom from this terrible fate.
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There are a number of countries where it doesn't even exist. But, our politics keeps us fighting with each other rather than demanding it be addressed.
 
rsm said:
Yes only as a validation check, however I don't plan to use any principal for my living expenses in retirement....

I have a small portion of my investments focused on income generation to provide retirement income; the dividend yields produce enough income and more for what I need in retirement, or will once I finish rebalancing my income portfolio this year.

Most of my investments are in aggressive growth and growth, that I should not need to touch for any reason in retirement, other than rebalancing for tax management during good years. This is what I plan to put into a trust eventually.


Be aware of inflation, taxes and healthcare costs - which most fail to consider or make costly mistakes when planning for retirement income.

In the US retired couples spend an average of $350K on healthcare costs in retirement; more retirees go bankrupt due to unforeseen healthcare costs than any other reason.
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That's awesome. Congratulations. Good advice, too.
 
SatanicPanic said:
That's awesome. Congratulations. Good advice, too.
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Thanks! I've been concerned about running out of money due to the unexpected, so I've been looking into retiree regrets, surprises, and hardships. Also, the less debt you have, especially high interest debt, the better.

Another thing I researched were different investments for generating dividend income and preserving principal. As usual, the greater the income the higher the risks.

To get those income dividend returns to cover my living costs in retirement, they are higher risk...but I've owned some for several years, so I'm more comfortable with the risks, so I'm increasing my investments in them at a baseline; while having some lower risk income investments.

There's no perfect or best answer, just what works best for us, in our individual situation, and our risk tolerance.

I'd also recommend having some investments in growth if possible, in addition to income. What's good income now will be hit by inflation, so I need a source (growth) to increase my future income investment principal.

All IMO. I'm no expert unfortunately...I definitely have recurring nightmares of being too aggressive and optimistic in some of my investments; and running out of money, not leaving enough behind when I die, etc.

Good luck!
 
rsm said:
Hit my all time high in the market yesterday, 3-July-2025.

I'm considering retiring even earlier, instead of waiting until next year as I planned; already drafted my resignation letter. Now just considering when to send it.
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All aboard the DOW 50,000 Train ^_^
 
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rsm said:
Thanks! I've been concerned about running out of money due to the unexpected, so I've been looking into retiree regrets, surprises, and hardships. Also, the less debt you have, especially high interest debt, the better.

Another thing I researched were different investments for generating dividend income and preserving principal. As usual, the greater the income the higher the risks.

To get those income dividend returns to cover my living costs in retirement, they are higher risk...but I've owned some for several years, so I'm more comfortable with the risks, so I'm increasing my investments in them at a baseline; while having some lower risk income investments.

There's no perfect or best answer, just what works best for us, in our individual situation, and our risk tolerance.

I'd also recommend having some investments in growth if possible, in addition to income. What's good income now will be hit by inflation, so I need a source (growth) to increase my future income investment principal.

All IMO. I'm no expert unfortunately...I definitely have recurring nightmares of being too aggressive and optimistic in some of my investments; and running out of money, not leaving enough behind when I die, etc.

Good luck!
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We made a bit of an error and realized we were in an actively managed fund. The percentage was pretty low, but the returns don't seem to offset the difference with a passive one. Just a dumb oversight.

However, we paid off all our consumer/revolving debt a couple weeks ago and it's just mortgage now. No more CC, no more loans. Emergency fund and a budget. It's only taken us 20 years to get serious.
 
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SatanicPanic said:
There are a number of countries where it doesn't even exist. But, our politics keeps us fighting with each other rather than demanding it be addressed.
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It won't be solved in my retirement, so I accept it and plan to deal with it as best I can. Why I plan to setup a trust before my health fails, so I won't waste my life savings down the drain for healthcare; most of my wealth will be safe for my heirs.
 
SatanicPanic said:
We made a bit of an error and realized we were in an actively managed fund. The percentage was pretty low, but the returns don't seem to offset the difference with a passive one. Just a dumb oversight.

However, we paid off all our consumer/revolving debt a couple weeks ago and it's just mortgage now. No more CC, no more loans. Emergency fund and a budget. It's only taken us 20 years to get serious.
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very good.

I've been more focused to retirement the last 10 years, but only started to rebalance in earnest recently...as long as the market cooperates I should be done with the rebalance this year with a few loose ends next year...so still on track.

I'm also increasing my emergency fund this year as part of the overall rebalance effort.

Still have a mortgage that I could pay off, but the interest is so low, it's better to keep the money invested for better returns vs my mortgage interest; have money set aside in high yield savings for kids college, so that's covered; no other debt.
 
JDs Couch said:
Interestingly, the US is the country with the most medical bankruptcies in the world, more than all other countries combined. I love the people of the USA and therefore wish them freedom from this terrible fate.
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Did you fall and bump your head within the last 24hs?
 
Nvm the noise ^_^



IMG_3219.png
 
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Great time to buy and sell.

Still actively rebalancing for retirement since I retired a few months earlier; than I planned; buying on the dips, selling on the highs. The volatility is working great...now if the Fed drops the interest rate, I expect new highs, and I have plenty waiting to sell, and the time to wait.

If it works out as I plan, I may reward myself with another motorcycle - if it doesn't sell before - it's a simple but rare custom bike that's not easy to find, not many were made, and not many come up for sale... heck, I may just buy it anyway reading what I just wrote. lol
 
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