Only freedom will do

elantan

That's what I tend to do with my fitbit tbh... still looking to solve the 3 cm problem though

elantan

can I just ask what bonds you looking at ? Thought you were a vanguard man like myself ?

edinburgher

elantan wrote: »

can I just ask what bonds you looking at ? Thought you were a vanguard man like myself ?

A Vanguard global bond fund with low expenses (0.15%). Work pension is a L&G dealy with very limited choices, literally no bonds to choose, commercial property would have been the only less correlated companion for my S&S.

Karmacat

It's sounding good, Ed!

edinburgher

Thanks KC, wish I shared your optimism. It strikes me that the odds are very much stacked against anyone looking to 'retire' where they don't have a FS salary in place these days. Truly staggering the amount of money required to replace an income, isn't it?

Karmacat

Well, yes. Absolutely. My retirement is in inverted commas, as you've written it, but I can downsize and so on. I don't expect to be rich, but it will be doable. You, starting so much earlier than I did, and not having the drain of a completely stupid investment in France, have a much better chance of retiring early, even though you have a little one.

I don't think you realise quite how far ahead of the game you are, in terms of knowledge and in terms of being a *lender* on P2P websites.

Though, being realistic, the world will be a funny old place, an even funnier old place, by the time you get to my age and beyond sorry! Just keep doing what you're doing. And take it easy too, sometimes

edinburgher

Thanks KC, that last suggestion will be the hardest! :rotfl:

£0.84 ET made to tidy things up for the evening.

smallholdingsister

Elantan what about bra extenders?

edinburgher

Inlaws lovely friendly cat died (friend of DD, who would squeal with joy every time she saw her)

Walked around the living room for 10 minutes so as to meet my 10,000 step target for the day

One of the most scenic HMs in Scotland opens for entries next week.... tempted. Assume it's easier to run when you lose weight?

Secret_Saving_Squirrel

I wouldn't be worrying too much about replacing salary with the equivalent value pension, Ed. for the first few years, maybe, but the reality is that my parents and their friends all say that they can't get through their pensions and it just builds up in the bank. They are late seventies and have various health stuff and/or just lack of inclination to buy furniture, clothes, home improvements, holidays abroad etc. As long as they can walk the dogs, play bowls and chat with their mates they don't want much more. Which is why buying annuities is such a gamble. You could end up being short of money in your sixties and having too much in your eighties! I think the pension freedoms can help a lot with this imbalance as long as we are sensible.