Early-retirement wannabe

Triumph13

DairyQueen wrote: »

I would definitely prefer slow travel - the slower the better. Problem is that, after all these decades of saving, we have the means right now to enjoy a comfortable retirement, including a decent travel budget (if considerably less than £40k pa,). But Mr DQ has the employment mindset of someone in their 40s and, at this rate, our heirs will be enjoying our retirement by proxy.

You make a good point about an extended trip. I think if I can break him from his daily routine for several weeks, and he has a great time, it may be the catalyst he needs. The problem will be levering him away from his job for that length of time. It will have to be a fait accompli as two weeks holiday has been the best I have managed so far.

How about you plan the trip and present him with two lots of costings. Option 1 he retires, comes with you, and it all fits comfortably in your retirement budget. Option 2 he keeps working and uses his earnings to fly out and meet you for the weekend here, here and here...

Former_MSE_Andrea

Or on our own marriages and families board. Lots of really experienced people on there

gfplux wrote: »

Why not ask the question on Mumsnet (relationships) I understand there is a wealth of experience there that you could draw on.

https://www.mumsnet.com/Talk

kidmugsy

Triumph13 wrote: »

I think we'd all given up hope of it happening any other way...

Has he punched the boss? Had a brief cardiac arrest?

bones1958

Marine_life wrote: »

I might have just retired unintentionally.

C’mon ML!! We are all on tenterhooks here??
What’s the story?

DairyQueen

Constructive dismissal apropos Ogilvie Construction v Brown ?

Bated breath.

DairyQueen

MSE_Andrea wrote: »

Or on our own marriages and families board. Lots of really experienced people on there

Or better still...
Post on an 'early retirement' thread. Receive lots of interesting travel suggestions from experienced retirees/wannabe retirees. Share posts with your spouse.

Result = 4 weeks travelling next year and Fridays off for the foreseeable.

Thanks to all for your very valuable contributions.

gfplux

DairyQueen wrote: »

Or better still...
Post on an 'early retirement' thread. Receive lots of interesting travel suggestions from experienced retirees/wannabe retirees. Share posts with your spouse.

Result = 4 weeks travelling next year and Fridays off for the foreseeable.

Thanks to all for your very valuable contributions.

Hopefully promises will be strictly kept. Good luck. Do let us know.

Futuristic

I'm in my early 20s with a very successful career path and I'm starting to slowly increase how much goes into my SIPP

Right now I have always put 100% of my SIPP into Vanguard LS 80% and its up 45% so far, should I just keep topping this up or could I diversify further?

I am using best invest for my SIPP with low amount so far

AnotherJoe

Futuristic wrote: »

I'm in my early 20s with a very successful career path and I'm starting to slowly increase how much goes into my SIPP

Right now I have always put 100% of my SIPP into Vanguard LS 80% and its up 45% so far, should I just keep topping this up or could I diversify further?

I am using best invest for my SIPP with low amount so far

Are you claiming the maximum in your employers scheme for any deals such as matching %ages?


To diversify away from LS80 you could either take the approach of a less UK oriented worldwide fund (eg similar but different), or you could pick areas /specialization it doesn't. You might think for example that healthcare, biosciences, small companies , emerging markets might be a good "side bet" for the next 20-30 years.

Futuristic

AnotherJoe wrote: »

Are you claiming the maximum in your employers scheme for any deals such as matching %ages?


To diversify away from LS80 you could either take the approach of a less UK oriented worldwide fund (eg similar but different), or you could pick areas /specialization it doesn't. You might think for example that healthcare, biosciences, small companies , emerging markets might be a good "side bet" for the next 20-30 years.

As I am the employer I simply make employer contributions every year but not a lot so far but a lot of free cash slowly increasing on each year end so can start `contributing` more into my SIPP