Investment strategy template
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Financial Independence strategy (2015) - Two earners coupleKPITarget20152016 est.
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Objective Save $5M for retirement for the couple, adjusted for inflation at 10M$ in 2050Net Worth ($)$10,000,000$250,000$294,000
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4% withdrawal rate equates to 100k$ / year / spouse
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At 8% avg annual return, this requires 20k$ invested / year / spouseInvested / year ($)$40,000$24,000$40,560
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Constraints 35 year horizon (until 67)Monthly net income ($)$6,000$6,000$6,500
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Current portfolio value : 250k$
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Monthly income : 6k$ / Monthly spend : 4k$ / Current Savings Rate : 33%
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Current investment possible / year: 24k$
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Saving or spending target At constant income, minimum Target Savings Rate : 56%Savings Rate (%)56%33%52%
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Reduce credit card spend to 2k$ / monthMonthly CC spend$2,000$2,600$2,100
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Asset allocation target Minimum asset allocation : 50% stocks, 50% bondsAsset Allocation %75%/25%50%/50%75%/25%
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If Emergency fund fully funded, can increase to 75% stocks / 25% bondsEmergency fundFunded60% funded100% funded
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Rebalancing methodology Rebalance annually in January, if necessaryRebalanced yearly1 / yearYesYes
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Monitoring and evaluation Monitor monthly and adjust as needed and if in line with obeMonitored monthly1 / monthNoYes
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