tag:blogger.com,1999:blog-2875915890415125655.post3859368474703121327..comments2023-05-18T10:37:34.608+01:00Comments on <a href="http://www.retirementinvestingtoday.com">Retirement Investing Today</a>: Half 1 2017 – Some decisions madeRetirementInvestingTodayhttp://www.blogger.com/profile/03088383743670046657noreply@blogger.comBlogger15125tag:blogger.com,1999:blog-2875915890415125655.post-25945074417703379102017-07-28T08:09:34.353+01:002017-07-28T08:09:34.353+01:00Who is the free man....the poor man who believes h...Who is the free man....the poor man who believes he is free or the rich man who believes he is not? <br />That's a Phil original and one we both need to consider as we push out our end dates. <br />All the best Phil321Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-78779409688265777652017-07-24T18:18:37.992+01:002017-07-24T18:18:37.992+01:00It gets pretty hot in Cyprus, or Spain for that ma...It gets pretty hot in Cyprus, or Spain for that matter. It would be pretty unbearable living out there without a pool.<br />I'd factor it in as a mandatory requirement rather than a frivolous luxury.Anonymousnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-29252891289419839872017-07-22T22:05:08.979+01:002017-07-22T22:05:08.979+01:00-2.7% return for the clans' holdings over firs...-2.7% return for the clans' holdings over first 6m of 2017. This reflects the perils of being priced into holding two thirds of the potfolio in overseas denominated shares (currency closely tied to USD). To sell now would trigger a large capital gains liability. The "UK" third returned 5.1pc. I also did a partial SIPP transfer to reduce platform fees 20bps. Made a mistake trying toProspectorhttps://www.blogger.com/profile/00908257772380515160noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-91367657695990959122017-07-18T12:36:02.799+01:002017-07-18T12:36:02.799+01:00Yeah, Crimea for the cool cats.Yeah, Crimea for the cool cats.deariemenoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-46686708843610572692017-07-18T07:17:15.131+01:002017-07-18T07:17:15.131+01:00Consider retiring in East Europe! Noticed some gre...Consider retiring in East Europe! Noticed some great opportunities around! Cyprus seems a bit expensive as a tourist zone! Charliehttps://shuttersfactory.co.uk/noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-40219364707499305912017-07-17T11:43:45.694+01:002017-07-17T11:43:45.694+01:00Ooh - Tarifa would be nice. That Mistral wind is a...Ooh - Tarifa would be nice. That Mistral wind is a windsurfers dream. You could live on the Rock and effectively not have to emigrate?The Rhinohttp://www.thenewrhino.comnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-88501350382412826222017-07-17T08:51:19.265+01:002017-07-17T08:51:19.265+01:00How are the foreign language classes going? Or is ...How are the foreign language classes going? Or is that part of your additional research budget?<br />Felice Pazzohttps://www.blogger.com/profile/08702981006236017227noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-49549859349979309012017-07-17T08:13:54.047+01:002017-07-17T08:13:54.047+01:00Two things:-
1. Our friends in France find the mai...Two things:-<br />1. Our friends in France find the maintenance effort on their swimming pool enormous and wish they'd never built it.<br />2. For someone retiring in the Eurozone, why aren't you investing in Europe? It would at least reduce your exposure to currency swings?<br />Regards and best wishes, NigelNigelhttps://www.blogger.com/profile/02433346586478629055noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-5673127718790305392017-07-16T19:53:58.658+01:002017-07-16T19:53:58.658+01:00Got it.
€2,750 makes a lot more sense.
Have you ...Got it.<br /><br />€2,750 makes a lot more sense.<br /><br />Have you thought about the kids (school and ultimately uni)?EarlyRetireFreehttp://earlyretirefree.comnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-38102857610949809872017-07-16T18:38:53.944+01:002017-07-16T18:38:53.944+01:00When I became FI I broke down my planned expenses ...When I became FI I broke down my planned expenses in quite a bit of detail. It's the third hyperlink (Financial Independence Day) under the Invest Wisely heading above. Since then I've tweaked it based on in country learnings but the real increases are really only in the 'fun' category.<br /><br />The 1% is 1% of the home purchase price which in my plans is EUR2,750 per annum atRetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-65017827959062991382017-07-16T18:02:59.009+01:002017-07-16T18:02:59.009+01:00As an early retiree who lives in Europe (admitedly...As an early retiree who lives in Europe (admitedly one of the more expensive locations - Austria), I would be interested in the breakdown of your €27,800 in expenses. I guess Cyprus is at the cheaper end of the scale but not sure about the cost of schooling, medical etc. The 1% home maintenance (c€270 a year?) looks very light.EarlyRetireFreehttp://www.earlyretirefree.comnoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-42717417552393373982017-07-16T16:08:16.281+01:002017-07-16T16:08:16.281+01:00You are of course correct. The portfolio is that ...You are of course correct. The portfolio is that of a UK resident who:<br />- many years ago started to think about retiring in Australia and started to position himself for it;<br />- then for reasons I won't go into recalibrated back to retirement in the UK but couldn't sell some of the early active/passive Australian funds for tax reasons;<br />- then because of the Aus learnings didnRetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-66972662516828350332017-07-16T15:41:04.383+01:002017-07-16T15:41:04.383+01:00The distribution of equities looks odd for someone...The distribution of equities looks odd for someone who plans to retire to the eurozone and who presumably expects it to thrive while Britain doesn't.<br />UK 22.8%. Aus 10.7%, Intnl 18.7%. <br /><br />Are your bonds mainly in the eurozone?<br /><br />In your Cyprus shoes I think I'd want (i) a heap of Euro cash, but perhaps not held in Cyprus, (ii) ILSCs as (nearly) all my GBP cash-like,deariemenoreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-40225134052185294452017-07-16T15:00:54.772+01:002017-07-16T15:00:54.772+01:00Thanks for highlighting and duly corrected. I thi...Thanks for highlighting and duly corrected. I think I've made that mistake once before as well. Must slow down my post preparation...RetirementInvestingTodayhttps://www.blogger.com/profile/03088383743670046657noreply@blogger.comtag:blogger.com,1999:blog-2875915890415125655.post-60417279578147521902017-07-16T14:48:01.146+01:002017-07-16T14:48:01.146+01:00" Gross Earnings ... plus Employee Pension Co..." Gross Earnings ... plus Employee Pension Contributions": do you mean Employer Pension Contributions?deariemenoreply@blogger.com