Tag Archives: What is the safe withdrawal rate?

The Minimum Wage Experiment

The Escape Artist has heard many fears expressed about financial independence. One is the understandable fear of eating into your savings.  This often manifests itself in boring long debates about the Safe Withdrawal Rate. Another line of objections revolves around the scary prospect of having no job to structure their time for them. What would they do […]

Now that’s what I call Financial Independence! 5

Reader’s voice: What’s that sound that I hear? Is someone scraping the bottom of a barrel? No…its Now That’s What I call Financial Independence! 5 The Escape Artist is back once again in the guise of a music critic from the NME…armed with earnest prose, tortuous metaphors and psycho-babble to review more classic songs about financial independence. Or, as the kids might […]

Cashflow is King: Safe Withdrawal Rate

In How Much is Enough? I explained why a portfolio of 25x your annual spending is (probably) enough never to have to work again. If you spend £25,000 per year, this implies a portfolio of £625,000 is enough. This is just a 4% Safe Withdrawal Rate (SWR), expressed another way. There are different views on this.  Plenty of gloomy people out there […]

How much is enough?

It was my last day at work. I was in a handover meeting with a client to introduce the new account handler.  The client was a private equity firm with offices in New York and London and a couple of billion of funds under management. I was treated to a rare conversation with the Big […]