S&P 500 Concentration Risk Depends on Your FIRE Date
S&P 500 concentration risk is a sequencing problem for retirees, not accumulators. Sixty years of index churn shows why, plus the bond tent fix.
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Posts tagged with sequence-risk
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Small-Cap Value Tilt vs Total Market for FIRE, in FI Months
A small-cap value tilt moves a 50% savings-rate FI date by barely a year, and it deepens early-retirement drawdowns. See the trade-off priced in FI months.
TIPS Ladder Math at 3% Real Yields for Early Retirees
At 3% real yields, a 15-year TIPS ladder costs about $12 per $1 of annual income. Run the FIRE math on cost, payout rate, and when it beats a fund.
The 4% Rule Early Retirement Math Breaks at 50 Years
The 4% rule early retirement math breaks at 50 years. Its flat 30-year assumption misprices go-go, slow-go, and no-go costs, so build a stage schedule.
FIRE Withdrawal Strategy and the Math of Spending Fear
FIRE withdrawal strategy math shows why routine market swings dwarf your living expenses, making spending guilt a calibration error you can fix.