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Blogger Profile


Ern

Blog Info

Name:
Early Retirement Now
Category:
Early Retirement
Tags:
Investing, Real Estate
Start Year:
2016

Blogger Bio

Net worth:
Location:
New York, United States
Age:
40s
Race:
White
Gender:
Male
Life stage:
SIK (Single Income, Kids)
Profession:
Financial Analyst
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Latest Blog Posts

Welcome back to the 20th installment of the Safe Withdrawal Rate series. Check out Part 1 to jump to the beginning of the series and for links to the other parts! This is a follow-up from last week’s post on equity glidepaths to address a few more open questions: Some more details on the mechanics of the glidepath and why it’s so successful in smoothing out Sequence of Return Risk. Additional calculations requested ...
Posted: Sep 20 2017 @ 10:01 AM
One of the most requested topics for our Safe Withdrawal Rate Series (see here to start at Part 1 of our series) has been how to optimally model a dynamic stock/bond allocation in retirement. Of course, as a mostly passive investor, I prefer to not get too much into actively and tactically timing the equity share. But strategically and deterministically shifting between stocks and bonds along a “glidepath” in retirement might ...
Posted: Sep 13 2017 @ 10:11 AM
Welcome back to our case study series! To see the previous installments, please check out the first three parts: Ask Big Ern: A Safe Withdrawal Rate Case Study for “John Smith” Ask Big Ern: A Safe Withdrawal Rate Case Study for “Captain Ron” Ask Big Ern: A Safe Withdrawal Rate Case Study for “Rene” Though, before we get started, I got a favor to ask: The nomination phase for the 2018 Plutus Awards is ...
Posted: Sep 06 2017 @ 10:02 AM
Welcome back to the newest installment of the Safe Withdrawal Rate Series. To go back and start from the beginning, please check out Part 1 of the series with links to all the other parts as well. Today’s post is a follow-up on some of the items we discussed in the ChooseFI podcast a few weeks ago. How do we react to a drop in the portfolio value early on during ...
Posted: Aug 30 2017 @ 9:55 AM
I have a confession to make! In the ERN family portfolio, we have almost no international diversification. We invest the bulk of our financial portfolio in U.S. index funds; FUSVX and FSTVX, which are Fidelity’s (lower-cost) alternatives to the Vanguard Admiral shares VFIAX and VTSAX, respectively. Our international exposure is in the low single-digit percentages. How come, you ask? How useful is international diversification, anyway? Jack Bogle, for example, claims that with a ...
Posted: Aug 23 2017 @ 9:58 AM
Welcome! Today is the third installment of our Case Study Series. Please check out the other two posts here if you haven’t done so already: Ask Big Ern: A Safe Withdrawal Rate Case Study for “John Smith” Ask Big Ern: A Safe Withdrawal Rate Case Study for “Captain Ron” Today’s volunteer “Rene” (not her real name) was laid off earlier in 2017 and is now living off her severance package. She wonders if she ...
Posted: Aug 16 2017 @ 9:55 AM
Expensive equities are a hot topic these days. Jack Bogle warned of lower expected equity returns recently and the CAPE has finally crossed 30 this month, according to Prof. Shiller. What does that mean for investors? What does it mean for early retirees? There has been a flurry of activity in the FIRE blogging world on this topic with posts by Physician on FIRE, JL Collins, Think Save Retire, and ...
Posted: Aug 09 2017 @ 9:56 AM
A few weeks ago I had the honor of talking to Jonathan and Brad over at the awesome ChooseFI podcast. Today, this long-awaited episode finally went online, so I hope everybody heads over to check out this podcast: —> ChooseFI episode with Big ERN <— We covered safe withdrawal rates, sequence of return risk, the Bogle expected equity return projection, haircuts (only financial ones, though), and many more exciting topics. And if you ever wondered ...
Posted: Aug 07 2017 @ 9:50 AM
Almost everywhere in life, the word “active” has a positive connotation. An active lifestyle, an active personal life, an active participant in a discussion, etc. In contrast, “passive” stands for low-energy, dull and boring. Imagine setting up a friend on a blind date with a nice gal/guy who has a really great “passive lifestyle” and see how much excitement that generates. But investing is different. Passive investing is the rage right now! ...
Posted: Aug 02 2017 @ 10:10 AM
A month ago, I did a case study for a fellow FIRE planner (“John Smith”) and the reception was awesome. So why not do more of those? Without even asking for volunteers, I already got two more fellow FIRE planners who contacted me via email and shared their financial parameters. Today’s case study is for “Captain Ron” and, of course, Ron isn’t his real name, though he is indeed a Captain. Not the ...
Posted: Jul 26 2017 @ 9:50 AM

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