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/biz/ - Business & Finance

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18861644 No.18861644 [Reply] [Original]

What the USD value for you to cash out and just put your shit into bonds for passive returns stress-free and retire?

3 Million? 5 Million?

>> No.18861672

>>18861644
10 million

>> No.18861734
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18861734

>>18861644
Honestly trading and finding cheap alts is fun enough for me to want to do it even if I didn't have to work.
I've run the numbers though and 1.5-2M is enough to create roughly $100k of passive income a year to live off of.
That's enough to live a consistent upper middle class life, though not enough to start buying lambos, yachts or a private military

>> No.18861780

But it in bitcoin and dont look back

Screencap this. I know youll be seething and are gonna fomo when it hits 15k

>> No.18861808

>$1600/mo expenses
>5% average annual bond return
>$1600 * 12mo / 05% = $384,000

>> No.18861854

>>18861808
$1600 a month is pretty low
what about medical/dental insurance, a mortgage, car payments, etc?
How long can you live like a college student?

>> No.18861855

>>18861808
>5% average annual bond return

In what world are you living?

>> No.18861935

>>18861855
maybe he's buying junk bonds

>> No.18862001

>>18861854
Includes employer-sponsored medical/dental, so I guess post-retirement insurance isn't accounted for. Mortgage and car payments are already included. I could live like a college student forever assuming I don't have children.
>>18861855
5% is the average 10 year return for investment grade bonds. OP didn't specify only treasury bonds.

>> No.18862017

>>18861644
Bonds? Wew lad

>> No.18862090

>>18861644
Why would you put EVERYTHING into bonds. I'd be enough with half a mil, take some real estate, some index funds and maybe even some business, crypto and stocks

>> No.18862140

>>18862090
its the most easy and stress free way. don't have to think or act. Just withdraw every few years bulk amounts and live a comfy life.

>> No.18862142

>>18861808
>$6000/mo expenses
>2% average annual bond return
>$6000 * 12mo / 02% = $3.6MM

>> No.18862169

>>18861644
>cash out
>USD
never gonna make it

>> No.18862275

>>18861644
> cashing out
First, figure out what income you are comfortable with and then divide by 2-3%. That is your gross goal income to make off of dividends and distributions. Next, have a bond position as a hedge but make most of your portfolio dividend stocks. Learn how to evaluate stocks for their discounted cash flows but instead of the share price look at the nominal dividend and make a projection of its increased value. Make sure that the company looks like it can sustain that through its Payout Ratio. Keep tabs on every stock throughout your life. Only sell when the numbers look like the company cannot sustain dividend and even then make sure that it is because the company looks irreparably damaged and not because of a market downturn.

>> No.18862436

6 million