Asset Allocation When You Plan To Retire Early

Asset Allocation When You Plan To Retire Early

Asset allocation is fundamental to successful investing. We can think of it as being an essential part of Investing 101. But is asset allocation different for the retire early crowd? Absolutely. The retire early crowd has two primary objectives that the traditional retirement crowd doesn’t: Accumulate a large retirement portfolio as quickly as possible, and make it last for many decades. That’s what we’re going to discuss in this article, … Read more

5 Retire Early Calculators To Get You On Track For FI

Retire Early Calculators To Get You On Track For FI

The right side of your brain just won’t quit! You’ve done your calculations. You’ve poured over projections. You’ve mastered your Excel spreadsheets with the magical stealth of Gandalf the Grey, but you’re still not absolutely sure you’ve done the math right. How do you know the numbers add up for early retirement? Helpful Retire Early Calculators Fortunately, if your spreadsheet is leaving you a bit nervous, there are plenty of … Read more

Is Getting The Lowest Fee The Most Important Part Of Choosing An Index Fund?

Is Getting The Lowest Fee The Most Important Part Of Choosing An Index Fund?

Index funds have not only made investing low-cost, but they’ve also made it incredibly simple. You don’t have to select individual stocks or do any kind of research on companies. And you can be guaranteed that your investment at least won’t underperform the market (though it won’t outperform it either!). And since you’re investing in entire markets, it makes asset allocation easier than ever before. All you need to do … Read more

How To Prepare For Drawdown During Early Retirement

How To Prepare For Drawdown During Early Retirement

We all know that we are great at building up our portfolio income in preparation for early retirement. But, most of us are so busy with our eye on the prize of a great retirement that we don’t really know what to do with it when it is finally here. Once we are at the point of early retirement, how do we ensure that we are using our portfolio income … Read more

Vanguard Vs. Fidelity–Which Company Is The Right Choice For You?

Vanguard Vs. Fidelity

Vanguard and Fidelity are the two of the largest, and most well-known investment management companies around. But why choose one over the other? That’s exactly what I’ll be talking about today. Let’s get started. What is Vanguard? Vanguard is an investment management company that offers low-cost mutual funds and ETFs. John Bogel–the founder of Vanguard and mutual funds themselves, wanted Vanguard to be a client-owned company (which it is) in … Read more

How To Move Money From A Financial Advisor To Vanguard

How To Move Money From A Financial Advisor To Vanguard

If you’ve been educating yourself about how to achieve financial independence (FI), you’ve probably learned a lot about investing on your journey to reach your FI number. You’ve probably also learned that fees can eat up a huge portion of your investment return over time, especially as the losses–due to fees, compound. Let me give you an example of how fees will eat into your nest egg. In 2019, you … Read more

Your End Of Year Investing Checklist

The end of the year can be a hectic time for many. Between traveling to visit family for the holidays and trying to get everything wrapped up by year-end at work, it’s easy to let your finances take a back seat before the ball drops in Times Square. Sadly, many people don’t take the time to closely inspect their finances a few weeks before the end of the year to … Read more

When And Why Your Child Should Open A Roth IRA

When And Why Your Child Should Open A Roth IRA

As someone interested in financial independence (FI), you’re likely very familiar with the concept of compounding returns. The concept of compounding returns is one of the most powerful forces in the financial world. In general, the longer you leave your money invested, the more your initial investment will grow. For example, $10,000 earning a 10% return for 10 years will be worth about $27,000. Give it another 10 years of … Read more

Investing Inside Your HSA: Healthcare’s Best Kept Secret

Investing Inside Your HSA Healthcare's Best Kept Secret

Most people have some experience investing through an IRA or 401k. They may even trade stocks in their spare time. It’s easy to assume that for the most part, managing one investment is much the same as any other. But a Health Savings Account (HSA) is a different animal. While it has a host of unique benefits that make it a top-tier investment vehicle, it also has its own restrictions … Read more

How To Buy Real Estate In A Roth IRA

How To Buy Real Estate In A Roth IRA

Did you know you can actually buy real estate in a Roth IRA? And it’s completely legal too, not the least of which since you can hold just about any asset in an IRA account. Some real estate promoters seriously pitch this option. And while it is certainly possible, you need to be fully aware that it’s also a very complicated process. We’re going to do a high-altitude report on … Read more