Quest for a correct intrinsic value for Standard & Poors 500 – december 2020
Why A very simplistic assumption on ‘Retire Early’ and investing in index funds is to have an average index return of 7% annually (or more). Then simulations of the past (only on the US stock market!) show that you can take out 4% of your portfolio each year, and still have a growing portfolio. This…
The failure of the 4 % withdrawal rule
“A 4% withdrawal rate with a fixed 50/50 asset allocation would have failed in all 17 countries. Yes, a 100% failure rate”
The difference between US and Belgian Retirement plans
The FIRE movement in the US is a big supporter of all kinds of retirement plans such as 401k, IRA, Roth IRA and many others. Retirement plans have a good reputation mainly because of their tax benefit. Sometimes that’s justified (as in most US schemes) but Belgian schemes are not all in the same boat.…