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”
Comparison belgium pension savings formulas
Now that I have made detailed cases for three tax-advantage pension saving schemes, let’s summarize the three formulas in an easy overview. The detailed posts can be found here: personal pension saving: Individueel Pensioensparen / Epargne Pension VAPZ (Vrij Aanvullend Pensioen Zelfstandigen) / PLCI (Pension Libre Complémentaire pour Indépendants) IPT (Individuele Pensioen Toezegging) / EIP…
VAPZ / PLCI (Vrij Aanvullend Pensioen Zelfstandigen / Pension Libre Complémentaire pour Indépendants)
A VAPZ (Vrij Aanvullend Pensioen Zelfstandigen) / PLCI (Pension Libre Complémentaire pour Indépendants) is a pension savings formula in Belgium for self-employed. This post is my whining on this popular savings vehicle.