Started diversifying my portfolio by adding term deposits and government bonds to the mix, just to mitigate market movements during the withdrawal phase. It's getting real!

[–] [email protected] 4 points 2 months ago (1 children)

Yeah!!

I recently moved half my e-fund to a 13-week t-bill ladder, and it feels good having at least that small portion in bonds. The rest of my e-fund is in money market funds, and other than that I'm 100% stocks.

I plan to get bonds when I get closer to FI, but I'm not quite there. So if you're looking at bonds already, that tells me you're feeling closer to FI, which is awesome. Make sure to post back when you hit your number. :)

[–] [email protected] 5 points 2 months ago (1 children)

I've got three numbers basically, for a frugal, normal, and lavish retirement. I'm past frugal and should meet normal within 5 years or so. I have a small number of employee shares in my company which is planning to go public in 3-5 years.

So my plan is to ride it out - by then I'll have reached "normal" through my regular savings, and if the IPO is successful, would beam me straight into lavish territory. If not, I'll just stick to what I have and call it a day. Never been a big spender anyway.

[–] [email protected] 3 points 2 months ago

Congrats, that's super exciting! It must feel really good knowing you could quit at anytime if you wanted to, and you would know precisely what your standard of living would look like if you do.