Posts in category "post-retirement" - page 10
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Real World Application of 4% Rule
I have not even completed 4 years into retirement, yet I wanted to check how the 4% rule is working for me. Please keep in mind that this is such a short time in retirement that we can’t make any conclusions about whether 4% rule really works in this day and age at all in India. We will only know its usefulness in a much longer duration like a decade or so. This exercise is to understand how a 4% rule will work with and without the 20% buffer I usually talk about. Lets get started.
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Giving Up Satellite TV
As part of minimalism, we try to reduce stuff from our life every now and then. Like Bruce Lee said, “hack away the unessential”. You may recall some of our minimalism activities from the past like selling our car or the minimalist wardrobe. This time around we wanted to experiment with cutting out satellite TV from our life.
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Asset Allocation After Retirement
What asset allocation should you go for after retirement? That is not a common question I hear from readers of my blog because most of them are still in the accumulation phase and don’t have to worry too much about retirement yet. But it is something that I struggle with myself from time to time since I am already retired. If you are close to retirement or are already retired, maybe this post will help. In case you don’t already know what an asset allocation means, please read my post on it.
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Cash Flow In Retirement
I realized that I don't have a post on how I fund my expenses after retirement. So here is something to help you understand my cash flow. Most of the numbers shared here depend on my monthly expenses. So please keep the Rs. 50,000 per month expenses in your head while reading the post.
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Mid Year Portfolio Review
I don't normally do mid year portfolio review but this time I made a exception. There were a couple of reasons for this. First I made a mistake in the way I calculated my XIRR because of which my return numbers were skewed. Second, the markets have gone crazy and I thought I should share my portfolio when the going is good :).
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My Daily Routine: 2021 Edition
Every weekend, I call some two to four of my friends, relatives or ex-colleagues thanks to my Friends Roster project. And invariably at least one of them ask me what I do on a daily basis after retirement. They are curious as to how I spend my day. I have posted my daily routine more than two years ago including a complete time table. But I thought may be I should do a 2021 edition in case some things have changed since then. So here goes.
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Our Real Power Bill Inflation
In the last post I showed you that the electricity inflation over the last 9 was around 7% in Bangalore. Of course the inflation depends on how many units you use. If you are in the lower or higher slab than me then perhaps the inflation may be different for you.
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Power Bill Inflation
I don't normally talk about my inflation numbers in this blog, because I don't have a lot of data. I am the kind of guy who needs data to talk about things. To make sense of inflation we need at least 7 years worth of data. Ten years data will be more useful though. Thankfully I have some of my electricity bills since 2012. So there is long enough history to see the inflation in electricity bills in Bangalore.
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Friends Roster – Presubmit, Continuous Integration, Deployment And Hosting
This is the continuation of “how I built the Friends Roster app” saga. If you missed the previous parts in this series, do check them out — part 1, part 2, part 3, part 4, part 5, part 6, part 7, part 8 and part 9. I know it must be getting pretty boring reading about the app for so long. But I promise this is the last one in the series.
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Friends Roster – Testing In Flutter
This is the continuation of “how I built the Friends Roster app” saga. If you missed the previous parts in this series, do check them out — part 1, part 2, part 3, part 4, part 5, part 6, part 7 and part 8. So far we have seen the code that runs the app. What about testing? Normally when I work on these hobby projects I don't write any tests (gasp!). I know. I sometimes did feel the need for tests, especially if it is a large project with lots of moving parts. They help you when making changes to the code. You can be confident that your changes will not unexpectedly break something.
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