Thought Experiment: Oh hi, Marc

SavingNinja published another interesting thought experiment. I always wonder how he does it: Ask inherently thought provoking questions that I simply have to respond to. I enjoy these thought experiments a lot, but I have to admit: This new one is not easy. "A different opinion is somewhat frowned upon in our clique based society, but … Continue reading Thought Experiment: Oh hi, Marc

Returns, Dividend Or Interest?

I found that many people appear to gravitate towards 'safe income' producing assets, like dividend-paying stocks. A dividend strategy can generate a "permanent" (more or less) form of income which can either be reinvested to boost wealth or be consumed without really impacting already accumulated wealth. Opting for a dividend strategy as opposed to relying on … Continue reading Returns, Dividend Or Interest?

Early Retirement: Could A Bad Sequence Of Returns Annihilate Your Portfolio?

You had done all the right calculations. At least that's what you thought. And according to the math the accumulated invested capital was exactly what you needed to bridge the years from your early retirement until full pension age. Even the average return was very close to what you had used in your formula's. But … Continue reading Early Retirement: Could A Bad Sequence Of Returns Annihilate Your Portfolio?

Crowdlending: The Mintos Way

Crowdlending (also referred to as peer-to-peer or P2P lending) is the concept where individuals (lenders) pool funds together to lend money to other individuals (borrowers), typically brokered by an online platform. This form of lending is bypassing banks or other financial institutions. One such crowdlending platform is European based Mintos.com, which is the first platform I … Continue reading Crowdlending: The Mintos Way

How to invest in the ‘digital currency space’?

Update: This is a old post I wrote some time ago about investing in cryptocurrency. I am publishing it here because it is related to 'early retirement planning'. I am not actively investing in digital currency, but do operate a home made mining rig. Let's say you want to jump on to the cryptocurrency train … Continue reading How to invest in the ‘digital currency space’?