IOU FREEDOMS TOP 7 PIES
It’s no hidden fact that most people do not plan their retirement or they don’t even check their pension pot.
When they do it’s too late !
What they realise is they are paying a massive annual management fee for suboptimal performance.
They will spend a lifetime slugging away to get £160 PW or less.
Honestly I find it heartbreaking that no one strives for better and we just live for today.
In an era where we are overloaded with information and we have the world at our fingertips why do we settle being ripped off.
I created this pie for my own retirement to go along with my SIPP to help people get to financial freedom and actually enjoy an early retirement.
I will manage and update the holding of the pie to match years till retirement.
Starting off with 100% stocks then getting more conservitive as the years go on.
In the early years we can expect high volatility but this can be reduced if you use dollar cost averaging and just use the auto invest feature.
With a 30 year time frame volatility is your friend as it gives you the chance to buy great companies cheap.
I will also screen the holdings regularly if any of them no longer match our investment criteria they will be discarded and we will move onto the next opportunity.
I will usually update the PIE once a year on the 1st week of April.
If i have to do any emergency changes i will always post it in the comments.
I will minimize the amount of transactions to keep the costs and spreads to a minimum.
We will be aiming to maximise our compounded interest more for our pockets
About the pie :
As mentioned above the early years will be 100% stocks to maximise our growth as the years go on you will start to see the Pie shift from adventurous growth to more convervitive names then fixed income holdings.
Holdings will be Tech heavy with a few index ETFs to get an exposure to the wider market.
Expected Annual ROI : 20%
Growth example based on past performance : £50 PM will return you £1.2 Mil in 30y time with just £18k contributed.
So what are you doing about your retirement ?
Are you going to just sit on the sidelines or you going to take action and copy today ?
- Please remember that past performance may not be indicative of future results
- This is not personalized investment advice; these are just my opinions suitable to my personal circumstances.
For Full list of Disclaimers or any queries/help/questions get in touch IOU FREEDOM
Pie #2 The gone fishing portfolio post will be shared 06/04/2021 Stay tuned