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?
What do you do if you aspire financial independence and early retirement and have a little time to spare? Do you go out to catch some rays? Or meet friends in town for a beer or two? Or will you just sit back and relax and feel fabulous because you know you're on your way … Continue reading FIRE! The Ultimate Charts
We've reached January 2019. Happy New Year to you all! Most people look ahead and make New Year resolutions. You know, quit smoking, quit drinking whiskey when you are alone and depressed (never!). For me however it's time to look back again and assess the previous month for yet another portfolio update. December was chaotic. … Continue reading Portfolio Update: December 2018
We've reached December so it's time to look back again, time for yet another portfolio update. It's amazing how fast November has passed. That's a bit of a cliche, but it's like I published my last update only days ago. Yet here we are: Another month has gone by. October was gruesome. Well, that's perhaps … Continue reading Portfolio Update: November 2018
In this post I will take a deep dive into the world of auto-investing on the Mintos crowdlending platform. It's a feature that allows you to let the platform invest your funds for you while you sit back and relax and watch your money grow. For those of you who are new to the concept … Continue reading Mintos Auto Invest Explained
Investing isn't my second nature and I am scrambling up a steep learning curve to master the fundamentals. I sometimes feel like an inexperienced mountain climber who just realized he is afraid of heights while hanging off a cliff. The good news? While a mountaineer has little tolerance for mistakes, I can afford them. More … Continue reading Why Invest In Index Funds?
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 (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
We've reached November so it's time for a portfolio update, look at what has happened during October and reveal my plans for the upcoming period. October has been a very exciting month. It was brutal for equities, with the S&P, Dow and Nasdaq all dropping significantly and with high volatility for the company stock that … Continue reading Portfolio Update: October 2018
The month of October is nearing its end and my company stock has been in some pretty rough weather. One day it was down, the next day it was up. But mostly down. I really feel like an inexperienced sailor on a tiny sailing boat, trying to cross the Atlantic. How should I interpret this? … Continue reading The October Effect
German is notorious (or famous) for its compound words. In English you would say goalkeeper glove cleaner. But Germans stick words together to make longer ones and call it torwarthandschuhreiniger. Much to the despair of Mark Twain: I can understand German as well as the maniac that invented it, but I talk it best through … Continue reading Torwarthandschuhreiniger – Or How To Sail A Boat
Don't have all your eggs in the same basket. That's the saying. Don't base your hopes for a financially independent future on one particular asset. It's a sure-fire (!) way to lose everything you have ever saved. It will crush your dreams and hopes for early retirement. Not good! A diversified portfolio makes you less vulnerable … Continue reading Diversifying My Portfolio: Yea or Nay?
Early retirement? Why? Don't you like your job? What will you do? I'd get so bored! This is what I hear sometimes when I tell people I want to retire early. There's the why and the what. Why would you do it? What (on earth) would you do? I have been thinking about it and … Continue reading Do You Have What It Takes To Retire Early?
The other day I read a great post by another financial independence blogger. She wrote: There seem to be two camps. The first is that group of people who believe “that sounds about right” is more than adequate in terms of preparation. For them a rough 4% rule is all the calculation they need to … Continue reading Financial Independence: Building your bridge
Hi followers. This is the first portfolio update and I am really excited to get started. In subsequent updates I will focus mainly on the applicable month, but because this update is the first I will also explain a bit about the months and years leading up to where I am today. I have always … Continue reading Portfolio update: September 2018