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finally got a financial planner this year and excited to share more about that soon!
finally got a financial planner this year and excited to share more about that soon!
Everyone’s financial situation is different. Plug your own personal numbers in and see where you land. Aaaaand as always, these are just thumb rules 😉 Follow @blendwealth for more finance tips from a certified financial planner
Everyone’s financial situation is different. Plug your own personal numbers in and see where you land. Aaaaand as always, these are just thumb rules 😉 Follow @blendwealth for more finance tips from a certified financial planner
Your brain can’t process £10,000. It sees a number that big and quietly gives up. That’s not laziness. It’s how your brain handles large numbers. It’s called Chunking. £10,000 feels impossible. £27 a day feels like skipping one Deliveroo. Same money. Different frame. Completely different response in your body. £5,000 sounds like a lot. It’s £96 a week. That’s two rounds you didn’t buy on Saturday. £1,000 sounds boring. It’s £2.75 a day. You’ve already spent that today without noticing. The goal never changes. How your brain feels about it is the only thing that determines whether you actually start. Most people don’t fail at saving because the maths is hard. They fail because the number on the screen triggers avoidance before they even open the calculator. Shrink the frame. Start this week. Not this year. If you want to understand why your brain keeps avoiding the thing you already know you should be doing — comment MONEY and I’ll send you the Money Story Quiz. Joel — MSc Behavioural Economics | Qualified Financial Planner #personalfinance #savingmoney #moneygoals #moneypsychology
Your brain can’t process £10,000. It sees a number that big and quietly gives up. That’s not laziness. It’s how your brain handles large numbers. It’s called Chunking. £10,000 feels impossible. £27 a day feels like skipping one Deliveroo. Same money. Different frame. Completely different response in your body. £5,000 sounds like a lot. It’s £96 a week. That’s two rounds you didn’t buy on Saturday. £1,000 sounds boring. It’s £2.75 a day. You’ve already spent that today without noticing. The goal never changes. How your brain feels about it is the only thing that determines whether you actually start. Most people don’t fail at saving because the maths is hard. They fail because the number on the screen triggers avoidance before they even open the calculator. Shrink the frame. Start this week. Not this year. If you want to understand why your brain keeps avoiding the thing you already know you should be doing — comment MONEY and I’ll send you the Money Story Quiz. Joel — MSc Behavioural Economics | Qualified Financial Planner #personalfinance #savingmoney #moneygoals #moneypsychology
Sebagai financial planner, sebagai manusia ada kok kesalahan finansial yang pernah aku lakuin. Namanya juga manusia, ambil keputusan juga pake hati dan berdasarkan apa yang kita pikir kan. ini 5 kesalahn finansial ku di usia 30an 1. Pernah kerja di dunia investasi/ wealth management, dulu gak mau nabung emas. ternyata emas mengandung kekayaan, apalagi kalau ada di portofolio dari 2014. Rp 100 juta bisa beli 220 gram yang sekarang jadi Rp 600 jutaan. 2. Dulu terlalu takut sama krisis finansial, takut buat ambil kesempatan. kesempatan bisa nabung saham di harga murah, beli properti pake bunga 0%. akhirnya belajar bersahabat sama krisis dan risiko. Krisis dipelajari dengan persiapan finansial dan ilmu investasi 3. Takut buat bantuin Mama urus dana pensiun, sehingga pas pensiun dananya terlalu banyak di deposito. Mulai pelan2 bantu mengelola hasil kerja keras beliau. Musti sabar dan kasih penjelasan, semua hasil kerja keras Mama harus bisa dinikmatin sama Mama bukan cuma jadi tabungan. 4. Terlalu all out di dana pendidikan. Dulu maksimalin nabung dana pendidikan, bayarin les + biaya kompetisi internasional. Jadi telat nabung dana pensiun. Padahal seharusnya bisa lebih bijak budgetnya. 😆 tapi suka bingung antara masa golden age dan pas lagi ada uangnya. 5. Duluuuuu misahin rekening dana investasi aku dan pak suami. mustinya disatuin aja, biar lebih gede modalnya, powerful dan growing ke tujuan bersama. di 2026 ini sih udah banyak belajar yah dari masa lalu..
Sebagai financial planner, sebagai manusia ada kok kesalahan finansial yang pernah aku lakuin. Namanya juga manusia, ambil keputusan juga pake hati dan berdasarkan apa yang kita pikir kan. ini 5 kesalahn finansial ku di usia 30an 1. Pernah kerja di dunia investasi/ wealth management, dulu gak mau nabung emas. ternyata emas mengandung kekayaan, apalagi kalau ada di portofolio dari 2014. Rp 100 juta bisa beli 220 gram yang sekarang jadi Rp 600 jutaan. 2. Dulu terlalu takut sama krisis finansial, takut buat ambil kesempatan. kesempatan bisa nabung saham di harga murah, beli properti pake bunga 0%. akhirnya belajar bersahabat sama krisis dan risiko. Krisis dipelajari dengan persiapan finansial dan ilmu investasi 3. Takut buat bantuin Mama urus dana pensiun, sehingga pas pensiun dananya terlalu banyak di deposito. Mulai pelan2 bantu mengelola hasil kerja keras beliau. Musti sabar dan kasih penjelasan, semua hasil kerja keras Mama harus bisa dinikmatin sama Mama bukan cuma jadi tabungan. 4. Terlalu all out di dana pendidikan. Dulu maksimalin nabung dana pendidikan, bayarin les + biaya kompetisi internasional. Jadi telat nabung dana pensiun. Padahal seharusnya bisa lebih bijak budgetnya. 😆 tapi suka bingung antara masa golden age dan pas lagi ada uangnya. 5. Duluuuuu misahin rekening dana investasi aku dan pak suami. mustinya disatuin aja, biar lebih gede modalnya, powerful dan growing ke tujuan bersama. di 2026 ini sih udah banyak belajar yah dari masa lalu..
Here’s how I’m budgeting my salary package as a 28 year old rentvesting in Sydney (renting in Sydney but investing in other cities). I recently got promoted and had a 13% payrise, so it was time to review my budget. New package: $174,906 (incl. 12% super) Base salary: $156,167 Take-home (FY26): ~$113,924 Annual expenses: $52,157 🏠 Housing: $22,400 (my split of 50%) 🍎 Food (groceries + eating out): $8,000 🎉 Lifestyle (travel, gifts, events, misc): $9,700 💪 Health & fitness: $3,817 🛍️ Personal care (skincare, clothing, personal care): $2,500 💡 Utilities (electricity, gas, internet, phone, water): $4,000 (my split of 50%) 🚗 Transport (public transport + petrol): $1,740 The remaining $61,767 gets split: ✈️ 10% travel saving fund 🏦 10% offset 📈 80% share portfolio That’s roughly $4,118/month, or about 43% of my after-tax income, that goes straight into shares that is now mostly automated on @moomoo_anz using their recurring investment. Their fees are competitive. For example, ASX listed stocks of Australian Shares (ASX) brokerage fee is 0.03% of the transaction value or a flat $3 AUD per trade (whichever is greater). A lot cheaper than my previous brokerage. Link in my bio with 30 days free brokerage for AUS & US for new users + 38 free fractional shares (T&Cs apply) My simple budgeting guide: 1. Track your real expenses for 3 months before setting a budget 2. Split into needs, wants, and investing/saving 3. Decide your investing % before payday, not after 4. Automate saving/investing so it actually happens 5. Review on a regular basis of your expenses as life changes Worth noting, these are rough estimates. I tend to spend less than planned in most categories since I don’t live an extravagant lifestyle. Note: doesn’t include dividend income, rental income, or mortgage repayments. 💡 Save this budgeting framework for when your next payrise lands How do you split your income to suit your lifestyle? This page does not offer financial advice and only provides GENERAL information. Always speak with a licensed financial planner.
Here’s how I’m budgeting my salary package as a 28 year old rentvesting in Sydney (renting in Sydney but investing in other cities). I recently got promoted and had a 13% payrise, so it was time to review my budget. New package: $174,906 (incl. 12% super) Base salary: $156,167 Take-home (FY26): ~$113,924 Annual expenses: $52,157 🏠 Housing: $22,400 (my split of 50%) 🍎 Food (groceries + eating out): $8,000 🎉 Lifestyle (travel, gifts, events, misc): $9,700 💪 Health & fitness: $3,817 🛍️ Personal care (skincare, clothing, personal care): $2,500 💡 Utilities (electricity, gas, internet, phone, water): $4,000 (my split of 50%) 🚗 Transport (public transport + petrol): $1,740 The remaining $61,767 gets split: ✈️ 10% travel saving fund 🏦 10% offset 📈 80% share portfolio That’s roughly $4,118/month, or about 43% of my after-tax income, that goes straight into shares that is now mostly automated on @moomoo_anz using their recurring investment. Their fees are competitive. For example, ASX listed stocks of Australian Shares (ASX) brokerage fee is 0.03% of the transaction value or a flat $3 AUD per trade (whichever is greater). A lot cheaper than my previous brokerage. Link in my bio with 30 days free brokerage for AUS & US for new users + 38 free fractional shares (T&Cs apply) My simple budgeting guide: 1. Track your real expenses for 3 months before setting a budget 2. Split into needs, wants, and investing/saving 3. Decide your investing % before payday, not after 4. Automate saving/investing so it actually happens 5. Review on a regular basis of your expenses as life changes Worth noting, these are rough estimates. I tend to spend less than planned in most categories since I don’t live an extravagant lifestyle. Note: doesn’t include dividend income, rental income, or mortgage repayments. 💡 Save this budgeting framework for when your next payrise lands How do you split your income to suit your lifestyle? This page does not offer financial advice and only provides GENERAL information. Always speak with a licensed financial planner.
🚨 Most people don't need a $5,000 retirement plan... They need better questions. These 5 Claude prompts can give you a surprisingly detailed starting point in minutes. 💰 Prompt 1 "Act as a fiduciary financial planner. Ask me every question you need before building a personalized retirement strategy based on my age, income, investments, debts, lifestyle, and retirement goals." 📈 Prompt 2 "Based on my financial information, tell me the earliest age I could realistically retire. Then create three scenarios: conservative, expected, and aggressive, and explain what changes would move me into each one." 🏦 Prompt 3 "Review my monthly spending and identify the 10 expenses reducing my retirement potential the most. Show me exactly how much earlier I could retire if I reduced or eliminated each one." 📊 Prompt 4 "Create a year-by-year roadmap from today until retirement. Include annual savings targets, investment milestones, estimated net worth, and the biggest financial risks to avoid at each stage." 🤖 Prompt 5 "Pretend you're a retirement coach. Challenge my assumptions, point out weaknesses in my current plan, identify blind spots I haven't considered, and recommend the highest-impact actions I should take in the next 12 months." AI isn't replacing financial advisors. It's helping everyday people ask better questions before they pay for one. And that's the real advantage. I believe learning AI shouldn't stop with retirement planning. It can also help you build skills that create new income opportunities. 👇 Comment GUIDE and I'll send you my FREE "10 Digital Products You Can Create in Canva This Weekend" guide to show you how beginners are using AI and Canva to start creating digital products. 💾 Save this post—future you will thank you. #Claude#AI RetirementPlanning# ArtificialIntelligence #PersonalFinance #DigitalMarketing
🚨 Most people don't need a $5,000 retirement plan... They need better questions. These 5 Claude prompts can give you a surprisingly detailed starting point in minutes. 💰 Prompt 1 "Act as a fiduciary financial planner. Ask me every question you need before building a personalized retirement strategy based on my age, income, investments, debts, lifestyle, and retirement goals." 📈 Prompt 2 "Based on my financial information, tell me the earliest age I could realistically retire. Then create three scenarios: conservative, expected, and aggressive, and explain what changes would move me into each one." 🏦 Prompt 3 "Review my monthly spending and identify the 10 expenses reducing my retirement potential the most. Show me exactly how much earlier I could retire if I reduced or eliminated each one." 📊 Prompt 4 "Create a year-by-year roadmap from today until retirement. Include annual savings targets, investment milestones, estimated net worth, and the biggest financial risks to avoid at each stage." 🤖 Prompt 5 "Pretend you're a retirement coach. Challenge my assumptions, point out weaknesses in my current plan, identify blind spots I haven't considered, and recommend the highest-impact actions I should take in the next 12 months." AI isn't replacing financial advisors. It's helping everyday people ask better questions before they pay for one. And that's the real advantage. I believe learning AI shouldn't stop with retirement planning. It can also help you build skills that create new income opportunities. 👇 Comment GUIDE and I'll send you my FREE "10 Digital Products You Can Create in Canva This Weekend" guide to show you how beginners are using AI and Canva to start creating digital products. 💾 Save this post—future you will thank you. #Claude#AI RetirementPlanning# ArtificialIntelligence #PersonalFinance #DigitalMarketing
7 things I refuse to spend money on as a 46-year-old financial planner who practises what she preaches... 1. Credit card interest Never. 💰 I don’t even own a credit card. If I can’t pay for it with cash, I wait. 2. Designer logos 💰 I love timeless style and a little luxury. I just don’t like paying hundreds of dollars to advertise someone else’s large obnoxious brand. 3. Daily takeaway coffee 💰 I genuinely prefer my homemade coffee, and I’d rather put the savings towards investing or creating memories with my family. 4. Takeaway lunches 💰 I’d rather make lunch during the week and enjoy a beautiful café on the weekend, where I can slow down and savour the experience. 5. Cheap products I’ll have to replace 💰 Buying something twice is usually more expensive than buying something well once. 6. Overpriced skincare 💰 I look for products with proven ingredients, not premium price tags or expensive marketing. 7. Duplicates of things I already own 💰 Clutter costs money, space and mental energy. People often assume being good with money means saying “no” to everything. It doesn’t. It simply means becoming really intentional about what deserves your money. I happily spend money on travel, quality food, investing for my future, fresh flowers, beautiful bed linen and experiences with my children and Tom. But these are seven things I’ve never felt were worth it. The goal isn’t to spend less. It’s to spend better. Now tell me... what’s one thing you’ll happily never spend money on again? 👇 #MoneyTips #PersonalFinance #FinancialFreedom #IntentionalLiving #MoneyMindset
7 things I refuse to spend money on as a 46-year-old financial planner who practises what she preaches... 1. Credit card interest Never. 💰 I don’t even own a credit card. If I can’t pay for it with cash, I wait. 2. Designer logos 💰 I love timeless style and a little luxury. I just don’t like paying hundreds of dollars to advertise someone else’s large obnoxious brand. 3. Daily takeaway coffee 💰 I genuinely prefer my homemade coffee, and I’d rather put the savings towards investing or creating memories with my family. 4. Takeaway lunches 💰 I’d rather make lunch during the week and enjoy a beautiful café on the weekend, where I can slow down and savour the experience. 5. Cheap products I’ll have to replace 💰 Buying something twice is usually more expensive than buying something well once. 6. Overpriced skincare 💰 I look for products with proven ingredients, not premium price tags or expensive marketing. 7. Duplicates of things I already own 💰 Clutter costs money, space and mental energy. People often assume being good with money means saying “no” to everything. It doesn’t. It simply means becoming really intentional about what deserves your money. I happily spend money on travel, quality food, investing for my future, fresh flowers, beautiful bed linen and experiences with my children and Tom. But these are seven things I’ve never felt were worth it. The goal isn’t to spend less. It’s to spend better. Now tell me... what’s one thing you’ll happily never spend money on again? 👇 #MoneyTips #PersonalFinance #FinancialFreedom #IntentionalLiving #MoneyMindset
Most retirees do the same thing on day one: they retire, and they start pulling from their 401(k) immediately. It feels logical. That’s the account with the money. But every dollar withdrawn from a traditional 401(k) counts as ordinary income in the year you take it. Stack enough withdrawals and you jump into a higher tax bracket, trigger IRMAA surcharges on your Medicare premiums, and push more of your Social Security benefit into the taxable zone - all at once, in the same year. That’s not one mistake. That’s three, hitting simultaneously, from a single decision. The order you withdraw from your accounts matters as much as how much you saved. Drawing from taxable accounts first, tax-deferred accounts second, and tax-free accounts last is one general framework many planners discuss — but the right sequence for any individual depends on their bracket, their Medicare situation, their Social Security income, and what year they’re in relative to required minimum distributions. There’s no single “”correct”” order that works for everyone. But there is a category of planning that most retirees never do - looking at which account to draw from first, in which year, to keep total taxable income as low as possible across all three systems at once. This is one of the tax mistakes that quietly costs retirees thousands - and it’s entirely legal to manage differently once you understand the interaction. Comment TAX and I’ll send you the free guide - 5 Social Security Tax Mistakes That Cost Retirees Thousands. Follow @franktalksbenefits - every day I share one thing the SSA should have told you but didn’t. #SocialSecurity #401k #RetirementTaxes #WithdrawalStrategy This is general education, not advice for your case. Talk to a tax professional or fee-only financial planner about your specific withdrawal strategy.
Most retirees do the same thing on day one: they retire, and they start pulling from their 401(k) immediately. It feels logical. That’s the account with the money. But every dollar withdrawn from a traditional 401(k) counts as ordinary income in the year you take it. Stack enough withdrawals and you jump into a higher tax bracket, trigger IRMAA surcharges on your Medicare premiums, and push more of your Social Security benefit into the taxable zone - all at once, in the same year. That’s not one mistake. That’s three, hitting simultaneously, from a single decision. The order you withdraw from your accounts matters as much as how much you saved. Drawing from taxable accounts first, tax-deferred accounts second, and tax-free accounts last is one general framework many planners discuss — but the right sequence for any individual depends on their bracket, their Medicare situation, their Social Security income, and what year they’re in relative to required minimum distributions. There’s no single “”correct”” order that works for everyone. But there is a category of planning that most retirees never do - looking at which account to draw from first, in which year, to keep total taxable income as low as possible across all three systems at once. This is one of the tax mistakes that quietly costs retirees thousands - and it’s entirely legal to manage differently once you understand the interaction. Comment TAX and I’ll send you the free guide - 5 Social Security Tax Mistakes That Cost Retirees Thousands. Follow @franktalksbenefits - every day I share one thing the SSA should have told you but didn’t. #SocialSecurity #401k #RetirementTaxes #WithdrawalStrategy This is general education, not advice for your case. Talk to a tax professional or fee-only financial planner about your specific withdrawal strategy.
Follow & Comment “SIP” to build your portfolio with us… ₹10 Crore for retirement — how much do you actually need to invest every month? 💰 The biggest advantage you have when investing for retirement is TIME. Assuming a 12% annual return and retirement at age 60, here’s how the required monthly SIP changes: 🔹 Age 20 → ₹3,184/month 🔹 Age 25 → ₹6,729/month 🔹 Age 30 → ₹14,266/month 🔹 Age 35 → ₹30,450/month 🔹 Age 40 → ₹65,965/month 🔹 Age 45 → ₹1,47,740/month 🔹 Age 50 → ₹3,58,864/month Same ₹10 Crore goal. Different starting age. Completely different SIP. This is why starting early matters so much. Compounding needs time to work in your favour. ⚠️ These figures are illustrations based on an assumed 12% CAGR. Mutual fund returns are market-linked and not guaranteed. Your actual returns and required investment may differ. Want to know how much you need to invest for your retirement goal? 👉 Comment “SIP” and our team will help you build your portfolio. Keywords retirement planning, retirement planning India, retirement corpus, retirement fund, 10 crore retirement, 10 crore corpus, 10 crore goal, SIP, SIP investment, monthly SIP, SIP calculator, SIP for retirement, retirement SIP, mutual funds, mutual fund investment, mutual funds India, wealth creation, wealth building, long term investing, long term investment, power of compounding, compounding, compound interest, financial planning, financial planner, investment planning, financial freedom, early investing, start investing early, investing for beginners, personal finance, personal finance India, financial literacy, money management, wealth management, retirement calculator, retirement strategy, retirement income, corpus planning, investment goals, financial goals, 1 crore, 5 crore, 10 crore, croreपति, crorepati, SIP India, investing India, finance India, mutual fund SIP, equity mutual funds, long term SIP, disciplined investing, future planning, retirement at 60, FIRE India, financial independence, wealth creation strategy, portfolio building, investment portfolio
Follow & Comment “SIP” to build your portfolio with us… ₹10 Crore for retirement — how much do you actually need to invest every month? 💰 The biggest advantage you have when investing for retirement is TIME. Assuming a 12% annual return and retirement at age 60, here’s how the required monthly SIP changes: 🔹 Age 20 → ₹3,184/month 🔹 Age 25 → ₹6,729/month 🔹 Age 30 → ₹14,266/month 🔹 Age 35 → ₹30,450/month 🔹 Age 40 → ₹65,965/month 🔹 Age 45 → ₹1,47,740/month 🔹 Age 50 → ₹3,58,864/month Same ₹10 Crore goal. Different starting age. Completely different SIP. This is why starting early matters so much. Compounding needs time to work in your favour. ⚠️ These figures are illustrations based on an assumed 12% CAGR. Mutual fund returns are market-linked and not guaranteed. Your actual returns and required investment may differ. Want to know how much you need to invest for your retirement goal? 👉 Comment “SIP” and our team will help you build your portfolio. Keywords retirement planning, retirement planning India, retirement corpus, retirement fund, 10 crore retirement, 10 crore corpus, 10 crore goal, SIP, SIP investment, monthly SIP, SIP calculator, SIP for retirement, retirement SIP, mutual funds, mutual fund investment, mutual funds India, wealth creation, wealth building, long term investing, long term investment, power of compounding, compounding, compound interest, financial planning, financial planner, investment planning, financial freedom, early investing, start investing early, investing for beginners, personal finance, personal finance India, financial literacy, money management, wealth management, retirement calculator, retirement strategy, retirement income, corpus planning, investment goals, financial goals, 1 crore, 5 crore, 10 crore, croreपति, crorepati, SIP India, investing India, finance India, mutual fund SIP, equity mutual funds, long term SIP, disciplined investing, future planning, retirement at 60, FIRE India, financial independence, wealth creation strategy, portfolio building, investment portfolio
Most people think building wealth is complicated, but it often starts with a few simple rules followed consistently. Your income is a tool. The way you save, invest, and manage it today determines the choices you'll have tomorrow. Building wealth isn't about finding the perfect investment. It's about creating good financial habits, avoiding costly mistakes, and staying consistent for years. Comment “Emergency” and I’ll send you a list of debt & low risk hybrid mutual fund options to park your emergency funds. Disclaimer : This video is only for educational purpose and not an investment recommendation Disclosure: Certified Financial Planner: IN52896 | Mutual Fund Distributor ARN252914
Most people think building wealth is complicated, but it often starts with a few simple rules followed consistently. Your income is a tool. The way you save, invest, and manage it today determines the choices you'll have tomorrow. Building wealth isn't about finding the perfect investment. It's about creating good financial habits, avoiding costly mistakes, and staying consistent for years. Comment “Emergency” and I’ll send you a list of debt & low risk hybrid mutual fund options to park your emergency funds. Disclaimer : This video is only for educational purpose and not an investment recommendation Disclosure: Certified Financial Planner: IN52896 | Mutual Fund Distributor ARN252914
The 4% rule just got an refresh from the man who created it. Bill Bengen, the financial planner who introduced the 4% rule back in 1994, published new research in August 2025 concluding the safe withdrawal rate is actually closer to 4.7%. Sounds like a small difference. It is not. 📊 At 4% you need 2.5M invested to withdraw 100K annually in retirement. At 4.7% you only need 2.1M for the exact same income. That is nearly 400K less you need to accumulate. For most people that represents real years off their working timeline. 📅 After almost 30 years managing money for global corporations, updates like this matter. Retirement plans built on outdated assumptions cost people real time and real money. Here is what changed. Bengen's original research used a simple portfolio of US large cap stocks and government bonds. His updated research adds international stocks, small cap, mid cap and broader asset classes. Better diversification is what supports the higher rate. 📈 A few things worth knowing before applying this number. The 4.7% rate is a floor, not a target. It is the most conservative estimate based on worst case retirement scenarios across nearly a century of data. Your personal rate depends on your asset allocation, your retirement timeline, market conditions when you retire and inflation. The right number is different for everyone. But knowing the updated research means you can plan with better information. 💡 💬 DM me RETIREGUIDE and I'll send you the free Retirement Planning System, the exact CFO framework for building a retirement plan that actually works. I am not a licensed financial advisor, estate planning attorney, or a tax advisor. This guide is for educational purposes only and reflects my personal experience and opinions. It is not personalized financial, tax, investment, or legal advice. Always consult a qualified professional before making any financial, tax, investment, or estate decisions. #retirementplanning #personalfinance #financialliteracy #retireearly #401k
The 4% rule just got an refresh from the man who created it. Bill Bengen, the financial planner who introduced the 4% rule back in 1994, published new research in August 2025 concluding the safe withdrawal rate is actually closer to 4.7%. Sounds like a small difference. It is not. 📊 At 4% you need 2.5M invested to withdraw 100K annually in retirement. At 4.7% you only need 2.1M for the exact same income. That is nearly 400K less you need to accumulate. For most people that represents real years off their working timeline. 📅 After almost 30 years managing money for global corporations, updates like this matter. Retirement plans built on outdated assumptions cost people real time and real money. Here is what changed. Bengen's original research used a simple portfolio of US large cap stocks and government bonds. His updated research adds international stocks, small cap, mid cap and broader asset classes. Better diversification is what supports the higher rate. 📈 A few things worth knowing before applying this number. The 4.7% rate is a floor, not a target. It is the most conservative estimate based on worst case retirement scenarios across nearly a century of data. Your personal rate depends on your asset allocation, your retirement timeline, market conditions when you retire and inflation. The right number is different for everyone. But knowing the updated research means you can plan with better information. 💡 💬 DM me RETIREGUIDE and I'll send you the free Retirement Planning System, the exact CFO framework for building a retirement plan that actually works. I am not a licensed financial advisor, estate planning attorney, or a tax advisor. This guide is for educational purposes only and reflects my personal experience and opinions. It is not personalized financial, tax, investment, or legal advice. Always consult a qualified professional before making any financial, tax, investment, or estate decisions. #retirementplanning #personalfinance #financialliteracy #retireearly #401k
Ranking investasi versi aku untuk kondisi ekonomi sekarang, bukan rekomendasi investasi tapi bisa jadi insight kamu ya👌🏼 💵Reksadana Pasar Uang (Rp & Valas) — 10/10 Di kondisi suku bunga saat ini, RDPU jadi paling menarik dari sisi likuiditas & stabilitas. Cocok untuk dana darurat atau tujuan jangka pendek (di bawah 1-2 tahun), buat siap2 investasi kalau nemu yang pas, dan cocok untuk profil risiko konservatif atau yang literasi investasinya masih tahap awal karena risikonya paling rendah dan gampang dipahami. ⭐️Emas — 8/10 Fungsinya lebih ke lindung nilai saat kondisi ekonomi gak pasti, bukan buat growth agresif. Cocok untuk semua level literasi karena konsepnya simpel, tapi porsinya sebaiknya gak dominan: lebih pas sebagai pelengkap portofolio, bukan instrumen utama. 📉Reksadana Saham / ETF (termasuk Saham US) — 8/10 Untuk tujuan jangka panjang (5 tahun ke atas) dan profil risiko menengah-agresif, ini tetap relevan karena potensi pertumbuhannya. Tapi butuh literasi yang lebih matang karena fluktuasinya bisa signifikan jangka pendek. Kalau kamu gampang panik lihat portofolio merah, ini butuh kesiapan mental dulu, bukan cuma modal. 📄Surat Berharga Negara (SBN) — 7/10 Aman karena dijamin negara, cocok untuk profil konservatif yang mau instrumen resmi dengan return lebih jelas di depan. Rating-nya di bawah RDPU di sini karena fleksibilitas/likuiditasnya lebih terbatas (ada tenor), meski dari sisi keamanan sama-sama solid. Penting: ranking ini taktis untuk kondisi sekarang, bukan alokasi permanen. Kalau tujuan kamu jangka panjang (pensiun, misalnya), jangan taruh semua di instrumen rating tertinggi di sini. Justru instrumen growth/agresif yang perlu porsi lebih besar walau ratingnya “lebih rendah” untuk kondisi jangka pendek saat ini. Alokasi yang tepat itu selalu balik ke 3 hal: profil risiko kamu, level literasi kamu, dan tujuan keuangannya. Bukan cuma ngikutin ranking siapapun, termasuk punyaku. Kalian sekarang portofolionya condong ke instrumen yang mana? 👇 (Bukan rekomendasi investasi personal. Konsultasikan ke financial planner untuk kondisi spesifik kamu) Follow @lolitainc untuk strategi keuangan lainnya🔥
Ranking investasi versi aku untuk kondisi ekonomi sekarang, bukan rekomendasi investasi tapi bisa jadi insight kamu ya👌🏼 💵Reksadana Pasar Uang (Rp & Valas) — 10/10 Di kondisi suku bunga saat ini, RDPU jadi paling menarik dari sisi likuiditas & stabilitas. Cocok untuk dana darurat atau tujuan jangka pendek (di bawah 1-2 tahun), buat siap2 investasi kalau nemu yang pas, dan cocok untuk profil risiko konservatif atau yang literasi investasinya masih tahap awal karena risikonya paling rendah dan gampang dipahami. ⭐️Emas — 8/10 Fungsinya lebih ke lindung nilai saat kondisi ekonomi gak pasti, bukan buat growth agresif. Cocok untuk semua level literasi karena konsepnya simpel, tapi porsinya sebaiknya gak dominan: lebih pas sebagai pelengkap portofolio, bukan instrumen utama. 📉Reksadana Saham / ETF (termasuk Saham US) — 8/10 Untuk tujuan jangka panjang (5 tahun ke atas) dan profil risiko menengah-agresif, ini tetap relevan karena potensi pertumbuhannya. Tapi butuh literasi yang lebih matang karena fluktuasinya bisa signifikan jangka pendek. Kalau kamu gampang panik lihat portofolio merah, ini butuh kesiapan mental dulu, bukan cuma modal. 📄Surat Berharga Negara (SBN) — 7/10 Aman karena dijamin negara, cocok untuk profil konservatif yang mau instrumen resmi dengan return lebih jelas di depan. Rating-nya di bawah RDPU di sini karena fleksibilitas/likuiditasnya lebih terbatas (ada tenor), meski dari sisi keamanan sama-sama solid. Penting: ranking ini taktis untuk kondisi sekarang, bukan alokasi permanen. Kalau tujuan kamu jangka panjang (pensiun, misalnya), jangan taruh semua di instrumen rating tertinggi di sini. Justru instrumen growth/agresif yang perlu porsi lebih besar walau ratingnya “lebih rendah” untuk kondisi jangka pendek saat ini. Alokasi yang tepat itu selalu balik ke 3 hal: profil risiko kamu, level literasi kamu, dan tujuan keuangannya. Bukan cuma ngikutin ranking siapapun, termasuk punyaku. Kalian sekarang portofolionya condong ke instrumen yang mana? 👇 (Bukan rekomendasi investasi personal. Konsultasikan ke financial planner untuk kondisi spesifik kamu) Follow @lolitainc untuk strategi keuangan lainnya🔥
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