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Retirement Journey Update for December 2023

We published our Multi-Strategy Model Portfolio Market Wrap for December 2023. Let's see how our retirement heroes, who have been implementing this multi-strategy approach, are faring at the end of December 2023.


John, 33 years old, looking to retire in 17 years


John invested USD 40K upfront at the beginning of November 2020. He then regularly contributed USD 500 every month subsequently. As of the end of December 2023, he has contributed USD 58.5K. If he sticks to his plan, he can expect to withdraw USD 7.5K every month when he retires in 17 years without ever depleting his retirement nest egg. He is currently sitting on an accumulated profit of about 10.6K. John wants his portfolio protected from huge losses during bad market conditions and decent growth to support his retirement plans. He does not need income from his portfolio as he can rely on his salary.



John retirement
John is on track for his retirement account accumulation

Paul, 53 years old, looking to retire in 7 years


Like John, Paul invested USD 40K upfront at the beginning of November 2020. However, he knows he has a shorter runway than John to compound his portfolio. Fortunately, Paul has a higher income, so he contributes USD 4K monthly to compensate for the shorter runway. As of the end of December 2023, he has contributed USD 188K. If he sticks to his plan, he can expect to withdraw USD 9.5K monthly when he retires in 7 years without ever depleting his retirement nest egg. He is currently sitting on an accumulated profit of about 23K. Paul wants the same things as John, some protection from deep market losses and capital growth. He does not need to withdraw from his portfolio as his high salary can cover his expenses.



Paul retirement
Paul is also on track for his retirement portfolio accumulation

Sam, 68 years old, retired


Sam has limited runway to compound his wealth as he is already retired. Fortunately for him, he had accumulated USD 1M of savings, which he invested upfront at the beginning of November 2020. He started to draw out USD 10K every month from this portfolio. As of the end of December 2023, he has already drawn a total of USD 380K, but his portfolio is still worth about USD 802K. Sam's needs differ from John's and Paul's as he no longer draws a salary. He needs income from his portfolio to support his lifestyle. Although he doesn't expect his portfolio to grow, he would like his portfolio to last as long as possible, so some capital preservation is important.



Sam retirement
Sam's retirement portfolio supports his lifestyle for as long as possible
 

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We are not financial advisers or fund managers. The information published on this Site is provided for informational purposes only. It is not intended to be, nor shall it be construed as, financial advice, an offer, or a solicitation of an offer, to buy or sell an interest in any investment product. Nothing on this site constitutes accounting, regulatory, tax, or other advice.


Any performance shown on this Site is model performance and is not necessarily indicative nor a guarantee of future performance. You should make your own assessment of the relevance, accuracy, and adequacy of the information contained on this Site and consult your independent advisers where necessary.


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