Early Retirement - Perpetual Portfolio Investment Strategies

People often dream of early retirement but if you are going to make this dream a reality then you need to understand the investment strategies that could allow this to happen. If you want to retire early then you'll probably also want to understand how you can build a portfolio that will allow you to retire with as little capital as possible but where the money never runs out.

In "Early Retirement - Perpetual Portfolio Investment Strategies" I will show you how you can do this and why choosing high dividend stocks might not be the best way for you to approach this.

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[tiffaniewilcox]

Buy a good cross section of an economy and you should do well over the long term. The market wil be high in 10 to 20 years, and significantly higher in 30. It's almost impossible for a company with no debt to go bankrupt. the U.S. is about 50% of the global market place, Pay yourself first. It's time in the market, not timing the market. last year I invested 100 grand in the S&P 500/ an allocation fund (with the help of my Financial Advisor Rita Lynn Evans of course) and made 370k, but guess what? I put it back and traded with her again and now I’m rounding up close to a million.

[thecount]

looking backwards at historical returns for various asset classes is interesting, but a highly simplistic way to model a future income stream. it's as much an art as a science, and if one thinks they can't consume their own capital as part of the big picture strategy, well, that's ridiculous.

[nickfifield]

im guessing something like the butterfly portfolio is something that you migrate to at the point of retirement (starting withdraw), and not before? atm I'm in pure growth etfs

[Mouxbar]

I have a cunning idea. Feed the maize cobs to the Golden Goose. Hmm, perhaps I need to rewatch this ;-)

[jamesalias]

In the USA you run into RMD's which isn't accounted for and make withdrawals at a higher rate than planned, basically the government wants you to die broke. Okay dying broke is a joke, but RMD's complicate your withdrawal strategy.

[nickdoyle-achievefinancial]

While I understand why someone would design for the worst case, this is one 30 year period of many. The optimal strategy for the worst 30 year period is likely suboptimal in dozens of others. It could be expensive insurance. Also, many people will have flexibility in their withdrawal rate. It's difficult to account for everything, but good tips on tools and ways to analyze it!

[danielengel]

Hi Ramin, it's probably worth mentioning that historical performance is not a guarantee for future performance. Both the price development of gold in the early 1970s, as well was that of long term bonds over the last 30 years are not representative for future gains tbh... so I would strongly caution against planning an early retirement with a 5% SWR based on the Golden Butterfly Portfolio! I am planning with a 3% SWR myself, holding neither gold nor bonds atm. Best, Daniel

[Chan-rchw]

As a 20 year-old who has had an interest in finance for four years and uses YouTube frequently, this is one of the best, most straightforward and informative videos I have seen on the topic and extremely relevant to the individual.

[simony]

There’s quite a few Bitcoin spammers hitting your comments tonight Ramin. Be nice to see them nuked.

[sfbluestar]

One year with bad weather (which is almost a certain scenario) and your corn growing plan is shot.

[BobBob-uvfq]

Tbf if u have a million quid then tbf, I think you will manage ok

[cayankeelord]

Liked and subscribed.
You my friend have nailed, with clarity, what should be the obvious to anyone headed toward retirement. Live within your means and preserve your capital. I have been doing what you prescribe for the last 30 years. See my previous post for details.

[theowenssailingdiary]

Id be more inclined to invest in momentum and quality than small caps and value.. Begging for underperformance with no less risk.

[michaelmalone]

I used the Portfolio maker and called it M&M Portfolio. 40% SVC, 25% LT, 10% REIT, 20 GOLD, 5% EMERERING Market. Ulcer index: 3.9. PWR: 6.1%, SWR: 7.1%, SDS: 7.3%, 10YR Medium return: 8%, all at 30 years.

[chrisgreen]

Top tier content as always Ramin. I bet you don’t even realise how much value you’ve added to so many investors, it’s amazing to have such quality content available on YouTube, as always thank you so much 👏

[levent_a]

Yeah... i don't do bonds. Too dangerous.

[pw_jc]

Vanguard had their managed payout fund that was supposed to do this for you but was ended last year.

[Viniciusmoulin]

And what gives you confidence that backtesting 100 years guarantees the success of the strategy for the future? Assumption that the market relationships on the long term won't change? That the finance industry will be forever the best market to invest? What should I create as a verification routine for this retirement strategy after implementing it?

[jasona]

Why is Gold on here ? I never invest in commodities. Also bond gives you diluted returns over the long run. Market gives you 2 times returns or more.

[brettobrien]

Bonds are not going to give same returns over the next 40 years as the last 40.