“That which is measured, improves”Through this process, there is also great learnings, e.g. through the "When can I retire?" page at Netwothify we can see the significant impact on the savings rate.
Networthify requires that we input the following information :
- Annual after-tax income
- Current saving rate
- Current portfolio value
- Assumed 5% real annual return on investment
- You will withdraw about 4% of the portfolio each year to spend
This simple yet powerful concept has also been explored by Mr Money Moustache:
https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/
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我在網上收集了一些小工具，可以幫助我們估計我們到FI需要的effort 和時間。
而這個估計的過程其實很是好的學習，例如通過Netwothify在“When can I retire?”的頁面，我們可以看到對儲蓄率的重大影響。
Networthify要求我們輸入以下信息：
- 年度稅後收入
- 目前的儲蓄率
- 當前的組合價值
- 假設每年實際投資回報率為5％
- 每年將提取約4％的投資
Mr Money Moustache 也探討了這個簡單而強大的概念：
https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/
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Links to the spreadsheets / online calculator
https://docs.google.com/spreadsheets/d/1JFDi0QLc7_FCepb-y49YOnq6733c_ZrV3WymihJyqjo/edit#gid=451098708
When can I retire?
https://networthify.com/calculator/earlyretirement?income=50000&initialBalance=0&expenses=20000&annualPct=5&withdrawalRate=4
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