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Talking stocks, trading, and investing in general

Hombre Secreto

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The whole retirement plan is wild. Some tragedy, or even world event can completely mess up your plan. I decided to instead invest in a self-sustaining off-grid plan, and not depend on the system not breaking down at some point.
 

Piobaire

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The whole retirement plan is wild. Some tragedy, or even world event can completely mess up your plan. I decided to instead invest in a self-sustaining off-grid plan, and not depend on the system not breaking down at some point.

This is known as Sequence of Return Risks, or SORR. It can indeed hobble a retirement. My solution is the thought historically peak-trough-peak of most bear markets is under three years. Have enough dividend/interest/other (i.e. rent) investments you can easily weather a three year run without having to tap your market exposed investments.
 

gettoasty

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^ dynamic withdrawal rate in other words?

The trade off discussion and foregoing that extra trip in the year if **** really hits the fan is what most individuals have trouble with much less projecting out. To that end, scenarios analysis is pretty great tool. Which I suppose is where retirement planning via tools that OP asked about can become handy. The very exercise of going through the thought process can help individuals make informed decisions rather than winging it. I think people refer to it as YOLO nowadays.
 

Piobaire

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Another thought is to fill next year's spend bucket this year. That way you have lots of time to plan and would know ahead of time next year a big trip isn't going to happen.

In the next four years we also have planned all kinds of mundane things in prep, like getting the house painted, the roof upkeep down, new HVAC units, etc. We are trying to lower the odds of a post-retirement capital need prior to prepping the house for sale when it's that time.
 

double00

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was helping my old lady manage some bonus options and finally got a window of value , did pretty good imho
 

beargonefishing

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It never ceases to amaze me that some people believe or treat economics as a science with some immutable law(s) instead of a social science that's constantly in flux, reflecting societial and individual's values, fears, priorities, etc.
 

imatlas

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Texasmade

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My friend is looking at TNA and TNZ. TNA is triple bull while TNZ is triple bear. I’m explaining the concept of the funds to him and triple bull/bear.

IMG_4810.jpeg


IMG_4811.jpeg


IMG_4812.jpeg
 
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jbarwick

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Funny story about TZA, the 3x bear shares which I may have told before. I was holding my engagement ring fund in TZA just knowing the marking was going to turn when another round of QE was announced and my position dropped 10-15% in minutes. Sold out and it took a couple months to recoup the losses which sat idle until I withdrew them.
 

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