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Retirement Journey Update for Nov 2022

A macro shift occurred in November after CPI came in convincingly lower than forecast for the first time. As a result, almost all asset classes that were beaten down earlier rebounded. Gold and bonds rallied the most. Volatility continued to subside as the VIX moved nearer to the 20 handles.


Below is the breakdown by assets and geographies of the multi-strategy model maintained with iFAST as of November month end.



The multistrategy portfolio benefitted greatly from the huge rebound in long-term US treasuries and gold. A short volatility positioning also helped. Overall, the portfolio is up 6.4% in November, bringing the year-to-date loss to 14.3%.



Let's see how our retirement heroes are faring at the end of November 2022.


John, 32 years old, looking to retire in 18 years


John invested USD 40K upfront at the beginning of November 2020 and he regularly contributed USD 500 every month subsequently. As of the end of November 2022, he has contributed USD 52K. If he sticks to his plan, he can expect to withdraw USD 7.5K every month when he retires in 18 years without ever depleting his retirement nest egg.



Paul, 52 years old, looking to retire in 8 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 November 2022, he has contributed USD 136K. If he sticks to his plan, he can expect to withdraw USD 9.5K every month when he retires in 8 years without ever depleting his retirement nest egg.



Sam, 67 years old, already retired


Sam doesn’t have any 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 November 2022, he has already drawn a total of USD 250K but his portfolio is still worth about USD 790K.


 

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