Comments on: Here’s How “Less Than 25 Times Expenses” Portfolios Have Performed Over the Last 89 Years

By: Zach @ Four Pillar Freedom

Zach @ Four Pillar Freedom — Mon, 29 Jan 2018 23:29:15 +0000

In reply to Lady Dividend. No problem! Glad you liked it :)

By: Lady Dividend

Lady Dividend — Mon, 29 Jan 2018 12:02:15 +0000

Sweet! Thanks for this! I know continuing to my 25x goal is a wise decision. Another informative post.

By: Zach @ Four Pillar Freedom

Zach @ Four Pillar Freedom — Sun, 28 Jan 2018 14:42:01 +0000

In reply to Michael@theatetruths. Thanks, Michael! I think numbers and graphs can help highlight different financial topics better than words alone. Glad you enjoyed the analysis and welcome to the blog! :)

By: Zach @ Four Pillar Freedom

Zach @ Four Pillar Freedom — Sun, 28 Jan 2018 14:40:55 +0000

In reply to Steveark. I agree with you - I think more and more people are realizing that they don't have to avoid work and income in retirement and that there are plenty of ways to earn money doing interesting projects. Just being open to part-time work can make a huge difference in how much money someone actually needs to save to retire.

By: Zach @ Four Pillar Freedom

Zach @ Four Pillar Freedom — Sun, 28 Jan 2018 14:37:57 +0000

In reply to Retiring On My Terms.

Thank you, glad you liked it! 🙂

It is pretty incredible to see how smaller portfolios have held up over different time periods. I think once I add part-time work into this analysis, the results will be even more shocking.

By: Michael@theatetruths

Michael@theatetruths — Sat, 27 Jan 2018 23:44:11 +0000

Zach – relatively new reader to your blog, and I have to say what an awesome, different take on personal finance! I’m a numbers (and graphs) kind of person, so your analysis, insight, and data are really incredible.

By: Steveark

Steveark — Sat, 27 Jan 2018 19:12:17 +0000

Nice data, a lot of that I haven’t seen elsewhere. These kinds of posts are extremely valuable to those that are pondering the risk factors of early retirement especially if they want to take the leap at the earliest possible moment. I think your next post that adds in some income will be awesome as well. My own belief is that most of the 30-50 year old crowd will earn income after they retire. Even if they are like me and have no need of additional money they’ll find they enjoy the productive feeling that comes from adding value and being compensated for it.

By: Retiring On My Terms

Retiring On My Terms — Sat, 27 Jan 2018 17:24:36 +0000

This is an incredibly interesting analysis. Thank you for taking the time to crunch these numbers!

Like you, I am surprised how well the 20x expenses portfolio performed relative to the 25x portfolio. I agree with your warning that future returns may not be the same as they have been over the past several decades, and I am unlikely to invest 100% of our assets in the stock market. That said, given my expectation that I will eventually receive something from Social Security, your analysis has definitely given me, and the rest of the FIRE community, something to think about!

Thanks again, and I look forward to your follow-up analysis next week!