Posts tagged with "corpus" - page 2


  • My Early Investment Journey

    While I am sitting comfortably today, writing about my journey to early retirement, the initial days of my investment years were not without their share of issues. Let me explain in a bit more detail. When I first started out, I had planned to do a SIP of a certain amount every month and planned on increasing it every year. The increase in SIP I planned at that time was to match up with the inflation rate. The thought process was that if I was just average at work then my salary increments will match up with the inflation for the previous year. At the time of planning my early retirement in 2011, the inflation stood at around 8%, and consequently my projections were to increase SIP by 8% every year.

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  • Am I Financially Ready To Retire?

    Here is an alternative take on whether you are financially ready to retire. In this post, I want to help you determine if you are ready to quit with nothing but a simple calculator and just one formula. You don't need to predict expenses, inflation, rate of return etc, and as such, this method is not as comprehensive as the How Soon Can I Retire calculator. So take it with a pinch of salt and use it more as an indicator of whether you are ready to retire or not. Also note that this is only to check if you are financially fit to retire and has nothing to do with your emotional state of mind. Some may have a lot of money and yet cannot retire due to various other reasons (including not knowing what to do post retirement, fear of boredom, peer pressure, family disapproval, social status etc).

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  • How Long Will My Money Last?

    How long will your money last? The oft given cliched answer is -- it depends. It is true if you want someone to answer for you. But if you put some effort, you will be able to answer the question yourself. The only problem is that you should be able to make some good estimates of your expenses, inflation and investment return long into the future.

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  • How Much Do You Need To Retire?

    I have touched upon this point briefly in step 5 of How to Retire Early in 5 Steps, but I thought I should expand a bit on that. Most people suggest the 4% rule, which basically states that if your expenses can be met by withdrawing 4% of your corpus, then that should be the corpus size. For example, if you need Rs. 50,000 per month to meet all your expenses comfortably in your retirement, then your corpus needs to be Rs. 50,000 * 12 / 4% = Rs. 1.5 crores. But does it really work?

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  • How to Retire Early in 5 Steps

    Achieving early retirement is not really as difficult as most people think. But it certainly is not for everyone. Some may not like not being able to work and stay at home, some may not be ready for the simple retired life, some may feel anxious about finances (even if their corpus is as big as they wanted it to be). Going into early retirement requires the stomach to handle all those and much more. For most, it may be fulfilling to work and keep themselves busy that way. For the rest, these 5 steps will help you get started on your journey to early retirement.

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  • Accelerate Retirement With Philosophy and Minimalism

    This is the continuation of my earlier post. If you have not already read it, head on over there first.

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  • Setbacks Help You Get Started

    In my last post, I talked about how I put an end to my work life and transitioned into early retirement. In today’s post I wanted to talk about how it all started.

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