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Retirement Journey Update for June 2021

Updated: Aug 1

In our earlier post, we talked about how you can build an "auto-pilot" portfolio for retirement through our collaboration with iFAST Global Market. We introduced three fictional individuals who started on their retirement journey at the beginning of November 2020, by implementing AllQuant's multi-strategy approach through iFAST. And here, we will be updating the progress of their journey on our blog each month. But first, let's look at the model performance of large accounts managed by iFAST.



Now, let's see how our retirement heroes are faring at the end of June 2021.


John, 30 years old, looking to retire in 20 years


John invested USD 40K upfront at the beginning of November 2020 and he contributed USD 500 every month subsequently. As of the end of Jun 2021, he has contributed USD 43.5K and he is currently sitting on some comfortable profits of USD 7K. If he sticks to his plan, he can expect to withdraw USD 7.5K every month when he retires in 20 years without ever depleting his retirement nest egg.



Paul, 50 years old, looking to retire in 10 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. The good thing is that he has a higher income than John so he contributes USD 4K every month subsequently. As of the end of Jun 2021, he has contributed USD 68K and currently sits on some comfortable profits of USD 8.5K. If he sticks to his plan, he can expect to withdraw USD 9.5K every month when he retires in 10 years without ever depleting his retirement nest egg.



Sam, 65 years old, already retired


Unfortunately for Sam, he doesn’t have any runway to compound his wealth as he is already retired. Fortunately for him, he has accumulated USD 1M of savings which are sitting in cash. He would like to see how he can generate perpetual income from this USD 1M which is otherwise earning nothing in this low-interest-rate environment. He invested the money upfront at the beginning of November 2020 and started to draw USD 10K every month. As of the end of Jun 2021, he has already drawn a total of USD 80K but his portfolio is still worth USD 1.1M. In fact, he can expect to continue drawing USD 10K every month while his portfolio value remains about the same. This is a 12% withdrawal rate in a retirement account that never depletes.



Note: We are working with iFAST Global Market to implement the multi-strategy portfolio for clients. If you are interested in knowing more. Please click here.

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AllQuant brings to the table a new solution for busy professionals. We put all our 30 years of joint experience across asset management, banking, proprietary trading, and hedge fund to work. And we designed an actively managed multi-strategy portfolio that is resilient enough to weather through different market conditions.


You can now build such a portfolio through iFAST Global Markets without lifting a finger. In this collaboration, we are combining AllQuant’s expertise in hedge fund strategies and iFAST’s advisory capabilities and bringing it to your doorstep. Ready to grow your wealth in a stable and steady way?



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