As we inch closer to our early retirement goal, our investment strategy continues to evolve. Our aim is simple: we want our retirement assets to cover our living expenses indefinitely, allowing us to focus on what truly matters to us. Let's dive into how we're adjusting our asset allocation to meet our future needs and address potential risks. The Power of Purposeful Investing For every year we work, we're adding 4-5 years of living expenses to our assets, not accounting for future returns. This progress is exhilarating, but it also requires careful planning. Our asset allocation reflects our goals, giving us peace of mind regardless of market conditions. Addressing Sequence of Returns Risk As we approach early retirement, one o
José
José concluded his distinguished 13-year career at Vanguard at age 44, stepping away from corporate life to embrace an early retirement. As a project manager, he expertly orchestrated the creation and delivery of educational materials—both digital and print—for 401(k) participants, ensuring resources reached millions of investors. Today, he embraces life's simpler pleasures: quality time with family, pursuit of passion projects, discovery of new adventures, and leisurely meals in his garden oasis.
View all posts by José →

It’s always interesting to see what other people are doing with their investments! We just checked our allocation the other day and we’re coming in at around 20% bonds and 80% stocks. I think we’re happy with that for now.
I keep thinking about picking up a place to rent or flip, but I’m enjoying doing all the fun stuff too much to try making more money. Stocks and bonds are much easier to maintain 🙂
80/20 sounds like a good allocation for your situation. I think that after we retire and access our situation we’ll get closer to an 80/20 from a 75/25 (not including house funds).
I’ve been managing the property for so long that I want to know how it feels to not have the responsibility. RE is not 100% passive unless you hire a property manager. It hasn’t been that bad for us lately but every now and then you get the leak from hell that no matter how much you fix it, keeps coming back!
I’d like to try RE crowdfunding sites in the future but will wait until there’s a shakeout so that we can invest with solid companies. That’s at least 2-3 years down the line though. Thanks for stopping by!