Is $1,000,000 Enough To Retire In Australia? | ETFs & Australian Real Estate

How much is actually enough to retire comfortably in Australia? People suggest using an ETF DCA strategy and others believe Property is better investment. In this video, we will take a look at inflation and how to outperform inflation over the next 30 years to be financially free. Let's dive in!

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[Dan-lpyf]

I look at how much I actually spend now without my kids and it worked out to be $2000 without mortgage. Use different calculator and it cost $3800 per month in 15 year time factoring the 4%+ inflation yearly when I due to retire. Super projected to be $850k when I retire. I then use a different retirement calculator to see how long $850k last if it yield 4.5% at a cost of living at $3800 with inflation of 4.4%. It will last till I am 88. Average live expectancy for a male like me is 85. I have diabetes, high blood pressure and other health issue and likely resulting in my life even shorter. Also, at some point I will qualify for age pension so no, I am not terrify like you and will choose to live a little.

[snoopy]

One million invested now in an asx index fund will deliver 4.5% dividends (live off this) and 4.5% growth over time (matches inflation). There’s your problem solved. Why make it complicated? Real estate will deliver similar returns but you’ll have a lot of headaches with realestate.

[nickpower-fjbu]

I thought the 4% rule covered inflation? Ie you take out 4% on average but the capital growth of say 7% (3% nett) is the inflation component. Only time you will lose is by being in cash….. and of course the usual market volatility.

[paddyCEO]

What about etf share price itself going up while keeping dividned income?

[mangoman]

A bit of self serving fearmongering to drum up property business or am I just cynical?

[Number_]

Depends where your living. 0n gold cost or centre of Sydney, with expensive tastes, no. Every where else yes.

[aussietaipan]

As per the comments below, the calculation with 1 mill and 4.88% inflation and landing at 250K is assuming the 1 mill is not invested for growth

[stephenpayne]

Being 29 and still investing in super until i retire, wont it go up with inflation and be at 4million ?

[triplea]

Thanks Ravi. Where did you click to change to the manual rate? It's ineditable on the original link.

[metcruza]

You're assuming that $1m stays static so if inflation is say 4% and your super is returning 5 or 6% then you're staying ahead of inflation.

[smb]

it's hard to comprehend this ravi. it's like a frog siting in water as it heats up until the water is boiling. you don't even notice the changes in prices until you look back over 10-20 years.

[williamcrossan]

CPI and inflation are 2 different things. The ABS CPI under reads significantly.
50K / year in 2003 allowed an OK standard of living. 100K / year today, not so much in my view.

[Woodland]

I always leave lots of safety margin for errors so I never think that 1m is the goal. Therefore I just let it roll inside the super to something much higher whilst in accumulation phase.

[simonzola]

I don't agree at all, take the same money and put it in super versus a home will deliver more than the rise in the home value

[Icemanjordan]

What’s the turnaround time to reply to emails ?

[shanetraveller]

Very insightful and great motivation 👍 cash 💸 is trash!!

[scottclark]

Normal inflation or Albo turbocharged inflation?

[scooterstubsman]

Definatley need to look at future value

[chrisj]

Most of the super calculators adjust for inflation

[gustavo]

I know you already received this request but I just want to remind you :) Can you do an analysis on the book barefoot investor, specifically the chapter on real state.