tag:blogger.com,1999:blog-55990175946168373192024-03-15T04:03:30.506-07:00My journey to financial independence - www.niterainbow.comA journey to financial independence from the very beginning. My personal investments are designed to maximize for sleeping well at night, not necessarily scouting for the highest returns. Unknownnoreply@blogger.comBlogger24414tag:blogger.com,1999:blog-5599017594616837319.post-48618365937835722372024-03-01T02:59:00.000-08:002024-03-15T04:02:31.862-07:00February 2024 update ($915,617 +$48,962 or +5.6%)<div style="text-align: left;"><span style="font-family: georgia;">↑ Emerging Markets Stock Index Fund is up by $7,098 or+4.8%<br>↑ Eurozone Stock Index Fund is up by $5,399 or +2.9% <br>↑ US 500 Stock Index Fund is up by $23,915 or +6.7%<br>↑ Global Small Cap is up by $5,271 or +3.5%<br>↑ Growth fund is up by $3,897 or +5.3%<br>↑ EUR is up to USD by 0.9% or $2,769<br>↑ GBP is up to USD by 0.8% or $614 <br>Total gains: $48,962<br></span></div><div style="text-align: left;"><span style="font-family: georgia;"><br></span></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUHKus0pqoFaWZKA1-BjH0lFM124Qh6bj40kY8CKnotzUaTrb5-oWvEXVx3j939lBHvQ4IYrys9u3Uvj5P0wXZGpzpH1Vk9YfLUwrLJmLZO9di0ydLO74pfm3JJvcAuPIPyuy3ezYqvve5QgZ4CsReGVSl_Y2m5H5i_kp_Yic0n8zZgICyreOkw5rBNW80/s884/0294%2020240301%20post%232%20February%20.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: georgia;"><img alt="February 2024 Road to Financial Independence" border="0" data-original-height="376" data-original-width="884" height="272" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUHKus0pqoFaWZKA1-BjH0lFM124Qh6bj40kY8CKnotzUaTrb5-oWvEXVx3j939lBHvQ4IYrys9u3Uvj5P0wXZGpzpH1Vk9YfLUwrLJmLZO9di0ydLO74pfm3JJvcAuPIPyuy3ezYqvve5QgZ4CsReGVSl_Y2m5H5i_kp_Yic0n8zZgICyreOkw5rBNW80/w640-h272/0294%2020240301%20post%232%20February%20.JPG" title="February 2024 Road to Financial Independence" width="640"></span></a></div><span style="font-family: georgia;"><br></span><div style="text-align: left;"><div><span style="font-family: georgia;"><span></span></span></div></div><a href="http://www.niterainbow.com/2024/03/february-2024-update-915617-48962-or-56.html#more"></a>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5599017594616837319.post-36735315628280262332024-02-01T10:16:00.000-08:002024-02-01T10:16:55.595-08:00January 2024 update ($866,655 -$8,815 or -%1.0)<p><span style="font-family: georgia;">↑ Eurozone Stock Index Fund is up by $3,393 or +2.2% <br />↑ US 500 Stock Index Fund is up by $1,000 or +0.3%<br />↑ Growth fund is up by $1,890 or +2.6%<br />Total gains: $6,283<br /><br />↓ Emerging Markets Stock Index Fund is down by $4,632 or -3.5%<br />↓ Global Small Cap is down by $4,569 or -3.0%<br />↓ EUR is down to USD by 1.9% or $5,306<br />↓ GBP is down to USD by 0.8% or $583 <br />Total losses: 15,090<br /></span></p><p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLJ0XVyj4LHg4tGp2g_hyphenhyphendVH4CUfpZlOnCisYyEsqDJj7NQIOybIXjB9jKngphe8vGTjAKd1pO6DETqT5yNpQGB9g3RXtOUP3MRCtTULlRTn54jwRPMCm1XmHnSmBfoKrIVK3Mm3dwxe2cyNpLhIpdJ85n31Em1kS_9hWXAHsagcHHsblRBRmlaJ7dXmkz/s885/0293%2020240201%20post%231%20January.JPG" imageanchor="1" style="font-family: georgia; margin-left: auto; margin-right: auto;"><img alt="January 2024 financial independence update" border="0" data-original-height="378" data-original-width="885" height="274" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLJ0XVyj4LHg4tGp2g_hyphenhyphendVH4CUfpZlOnCisYyEsqDJj7NQIOybIXjB9jKngphe8vGTjAKd1pO6DETqT5yNpQGB9g3RXtOUP3MRCtTULlRTn54jwRPMCm1XmHnSmBfoKrIVK3Mm3dwxe2cyNpLhIpdJ85n31Em1kS_9hWXAHsagcHHsblRBRmlaJ7dXmkz/w640-h274/0293%2020240201%20post%231%20January.JPG" title="January 2024 financial independence update" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><span style="font-family: georgia;">January 2024 Financial Independence update.</span><br /></td></tr></tbody></table><!--[if gte mso 9]><xml>
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</p><p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: georgia;">Observations:<span style="mso-bidi-font-weight: normal;"></span></span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: georgia;">To earn a full basic state pension in the
UK one has to work for 35 qualifying years (paying sufficient taxes).<span style="mso-spacerun: yes;"> </span>Today this pension is about $13 K a year or
$1.1 K a month.<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>State pension age is 67 years old.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: georgia;"></span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: georgia;">As long as you worked at least 10 years (doesn’t
necessary consequently) you will get proportion of it (divide $13 K by 35 and
multiply by the number of qualifying year). <span style="mso-spacerun: yes;"> </span>At 10 qualifying years the pension is $445 a
month ($3.8K a year).</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: georgia;"></span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: georgia;">In principle this is available to anybody
who has worked in the UK. There is also option to top up the missing years<span style="mso-spacerun: yes;"> </span>by paying some money.<span style="mso-spacerun: yes;"> </span><span style="mso-spacerun: yes;"> </span>I
checked with the pensions department and I need to pay $11K today to get to 20
qualifying years.<span style="mso-spacerun: yes;"> </span>I also need to wait
for 25 years before I get the pension.</span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: georgia;"></span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: georgia;">At 3% inflation adjusted return $11K will
become $23K (or $29K at 4% return) after 25 years.<span style="mso-spacerun: yes;"> </span>20 years will give you $7.6 K pension a
year.<span style="mso-spacerun: yes;"> </span>So as long as I live over 72 years
old, I will be able to get my money back. </span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: georgia;"></span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 0in;"><span style="font-family: georgia;">Using this logic, I sent the government $11K
today. <span style="mso-spacerun: yes;"> </span>Only the government can take away
the pension away from me.<span style="mso-spacerun: yes;"> </span>Its not a lot
by if I ever work again there is still time to get full 35 qualifying
years.<span style="mso-spacerun: yes;"> </span>To get a guaranteed $13K a year
income I need to have 440 K nest egg (for $7.6K a year I need to have $251K
nest egg). <span style="mso-spacerun: yes;"> </span>In a very odd way I can say
that I have $1 million nest egg today. Joking aside $1 million will give me about $2.5K a month which would cover basic living (once the house is paid), assuming that I will have some kind of job on a minimum salary should it come to it. <br /></span></p>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5599017594616837319.post-18625521978154687852024-01-02T07:07:00.000-08:002024-01-22T07:10:24.527-08:00December 2023 Financial independence update ($875,469 +$40,181 or +%4.8)<p><span style="font-family: georgia;">↑ Emerging Markets Stock Index Fund is up by $3,257 or +2.9%<br>↑ Eurozone Stock Index Fund is up by $5,102 or +3.3% <br>↑ US 500 Stock Index Fund is up by $18,092 or +5.4%<br>↑ Global Small Cap is up by $12,669 or +8.9%<br>↑ Growth fund is up by $1,060 or +1.5%<br>Total gains: $40,181</span></p><p><span style="font-family: georgia;"> </span></p><p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgF0Xk5B02HJhmpTeXOXHLfcwQbdiWRmkKtSImowbyS9K-ZrnxMqB5h1nT6jKJ8ilx8xg2Yb2blDOtNIlqxUII9hB_-o4-pEIBnY38wULQTGJq9i1CW_0MbYa4OexP0l0hDXQG3X0eaQ30JrnSPiaX-41AeD5kkSt2rLd4Axq1C9khDAqUMnZIVhPUkh89M/s882/0292%2020231231%20post%2313%20December.JPG" imageanchor="1" style="font-family: georgia; margin-left: auto; margin-right: auto;"><img alt="December 2023 Financial independence update" border="0" data-original-height="374" data-original-width="882" height="170" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgF0Xk5B02HJhmpTeXOXHLfcwQbdiWRmkKtSImowbyS9K-ZrnxMqB5h1nT6jKJ8ilx8xg2Yb2blDOtNIlqxUII9hB_-o4-pEIBnY38wULQTGJq9i1CW_0MbYa4OexP0l0hDXQG3X0eaQ30JrnSPiaX-41AeD5kkSt2rLd4Axq1C9khDAqUMnZIVhPUkh89M/w400-h170/0292%2020231231%20post%2313%20December.JPG" title="December 2023 Financial independence update" width="400"></a></td></tr><tr><td class="tr-caption" style="text-align: center;"><br></td></tr></tbody></table><!--[if gte mso 9]><xml>
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<![endif]--><span style="font-family: georgia;"><span></span></span></p><a href="http://www.niterainbow.com/2024/01/december-2023-financial-independence.html#more"></a>Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-5599017594616837319.post-18566861051507257602023-12-03T10:01:00.000-08:002023-12-03T10:01:10.501-08:00November 2023 update ($835,288 +$74,067 or +%9.7)<p><span style="font-family: georgia;"> ↑ Emerging Markets Stock Index Fund is up by $5,293 or +4.4%<br>↑ Eurozone Stock Index Fund is up by $12,808 or +9.3% <br>↑ US 500 Stock Index Fund is up by $28,638 or +9.3%<br>↑ Global Small Cap is up by $14,007 or +10.9%<br>↑ Growth fund is up by $2,757 or +4.2%<br>↑ EUR to USD is up by 3.0% for my portfolio its $7,765<br>↑ GBP to USD is up by 4.3% for my portfolio its $2,798<br><span style="font-size: 11pt; line-height: 115%;">Total gains: $74,067</span></span><!--[if gte mso 9]><xml>
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<![endif]--></p><p><span style="font-family: georgia; font-size: 11pt; line-height: 115%;"> </span><span style="font-family: georgia; font-size: 11pt; line-height: 115%;"></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0kOAwrWBbj_D-aiNmPH55r14f2tKG0u7FSecgRl9bfNCKcf-n8XmugK4_wOVrYvI831ZGD0PgnJyyZVUDGk6pYPO9D7OTDBOogzwmmpNUt9syPrKFYFu7xq_0M3vbcrjovoDS7VQ4Pv0bhE39RFGjM66toBJkOI89U4oUgiybMt2hlG-MDZzuQjyFIoeM/s887/0291%2020231130%20post%2312%20November.JPG" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="November 2023 Financial Independence" border="0" data-original-height="378" data-original-width="887" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi0kOAwrWBbj_D-aiNmPH55r14f2tKG0u7FSecgRl9bfNCKcf-n8XmugK4_wOVrYvI831ZGD0PgnJyyZVUDGk6pYPO9D7OTDBOogzwmmpNUt9syPrKFYFu7xq_0M3vbcrjovoDS7VQ4Pv0bhE39RFGjM66toBJkOI89U4oUgiybMt2hlG-MDZzuQjyFIoeM/s16000/0291%2020231130%20post%2312%20November.JPG" title="Financial independence step by step"></a><span></span></div><a href="http://www.niterainbow.com/2023/12/november-2023-update-835288-74067-or-97.html#more"></a>Unknownnoreply@blogger.com0