Comments on: Here’s How Savings Have Historically Grown Without Additional Contributions

By: Zach @ Four Pillar Freedom

Zach @ Four Pillar Freedom — Thu, 01 Feb 2018 16:34:25 +0000

In reply to Cyn. Agreed! 25x expenses is a good point to reach if you NEVER want to work again, but for those of us who would like to do some type of work, 25x expenses is a bit overkill.

By: Cyn

Cyn — Wed, 31 Jan 2018 02:09:12 +0000

This post is so motivating! When I first discovered FI, I actually got a little discouraged after learning I needed to save up at least 25 times my annual expenses. That number seemed (and still seems) so far away! But your post shows that you don’t necessarily have to wait until you achieve that number. I’m definitely considering this approach to achieve FI.

By: Zach @ Four Pillar Freedom

Zach @ Four Pillar Freedom — Sat, 27 Jan 2018 16:12:14 +0000

In reply to Skye. Hey Skye, at this time I don't plan on doing an analysis with STI, but I do hope to clean up my excel sheet and share it so people can plug in their own numbers / own ETF's.

By: Skye

Skye — Fri, 26 Jan 2018 00:32:21 +0000

I like the simplicity of the analysis. Will you be doing one for STI ETF? You mentioned adding bonds into the picture, just wondering how would adding ABF Singapore Bond Index ETF affect your analysis of 25 times annual spending. Would be good if you could break down your analysis so we could come up with our own based on our own make ups.

By: Zach @ Four Pillar Freedom

Zach @ Four Pillar Freedom — Tue, 23 Jan 2018 19:35:23 +0000

In reply to Andy.

You’re not alone – I think this is a viable path many people could pursue as opposed to complete financial independence. Of course it’s a bit riskier, but the payoff is time and it’s tough to put a price on time.

By: Andy

Andy — Tue, 23 Jan 2018 19:06:18 +0000

This sort of strategy definitely has appeal to me, so it’s nice to see some numbers. I’ve only run some very basic calculations, so I appreciated the historical returns analysis. I think you do a good job of explaining that this is the sort of calculation that gives a rough idea of what’s possible, rather than a defined expectation of what we’ll see. For me, at least, it makes it clear that such a strategy could work.