![]() ![]() So you wouldn’t be able to retire with an income of $26,000 using the 4% rule on the minimum simulated portfolio. The largest portfolio was $3,324,000, and the minimum was $458,000 Results NZX50: If you had invested $26,000 each year in the NZX50 for 17 years you could expect an average portfolio size of $954,000. So how does that stack up? Below is the graph for all 17 year investment periods between 19 for the NZX50Īnd below is the graph for all 17 year periods between 19 for the S&P500 Hopefully, this makes the numbers more achievable and realistic, although I can appreciate that you would have to make sacrifices to save 50% of your income. Assuming the mortgage is paid off by retirement. I choose an investment rate of $26,000 because it is 50% it is halfway between 50% of the median personal income in New Zealand, at $49,000, and how much we spend each year if we exclude the mortgage, at $27,000. For the savings rate rule to hold true after 17 years, you should have $650k to start drawing down on in retirement. Here’s the scenario, you have an income of $50K and invest $26k each year into a passive index fund that tracks just the NZX50 in scenario 1 and the S&P500 in scenario 2. You look at the savings rate and retirement table and work out that you should have enough to retire on in 17 years. tag.Let’s say that you are ambitious and want to save 50% of your income.The difference between these two output formats is that “li” will still wrap all the output in a The “li” and “custom” formats allow you to define a template using the content portion of the shortcode. png files in the /wp-content/uploads/cats/ folder. This will result in a tabular list of all. If you have you disabled the setting to store uploads in the /mm/yy/ folder structure (you can do this within Settings -> Media) and wanted to display that same file you would use this shortcode: With this base directory say we want to list “png” files in the folder “/wp-content/uploads/cats/” we would use the following shortcode: Let’s say you’re using the default WordPress Media settings so we can expect your uploads folder to be in /wp-content/uploads/mm/yy/ with this in mind the shortcode “folder” attribute will look in a directory relative to this. This text is wrapped in a “mmm-warning” class in case you want to style it out (for more information on styling check out the FAQ) ![]() If the folder you’ve entered isn’t found or there are no files with the extensions you’ve listed there will be some warning text output to let you know.
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