We published our Multi-Strategy Model Portfolio Market Wrap for November 2023. Let's see how our retirement heroes, who have been implementing this multi-strategy approach, are faring at the end of November 2023.
John, 33 years old, looking to retire in 17 years
John invested USD 40K upfront at the beginning of November 2020. He then regularly contributed USD 500 every month subsequently. As of the end of November 2023, he has contributed USD 58K. If he sticks to his plan, he can expect to withdraw USD 7.5K every month when he retires in 17 years without ever depleting his retirement nest egg. He is currently sitting on an accumulated profit of about 8.6K. John wants his portfolio protected from huge losses during bad market conditions and decent growth to support his retirement plans. He does not need income from his portfolio as he can rely on his salary.
Paul, 53 years old, looking to retire in 7 years
Like John, Paul invested USD 40K upfront at the beginning of November 2020. However, he knows he has a shorter runway than John to compound his portfolio. Fortunately, Paul has a higher income, so he contributes USD 4K monthly to compensate for the shorter runway. As of the end of November 2023, he has contributed USD 184K. If he sticks to his plan, he can expect to withdraw USD 9.5K monthly when he retires in 7 years without ever depleting his retirement nest egg. He is currently sitting on an accumulated profit of about 17K. Paul wants the same things as John, some protection from deep market losses and capital growth. He does not need to withdraw from his portfolio as his high salary can cover his expenses.
Sam, 68 years old, retired
Sam has limited runway to compound his wealth as he is already retired. Fortunately for him, he had accumulated USD 1M of savings, which he invested upfront at the beginning of November 2020. He started to draw out USD 10K every month from this portfolio. As of the end of November 2023, he has already drawn a total of USD 370K, but his portfolio is still worth about USD 789K. Sam's needs differ from John's and Paul's as he no longer draws a salary. He needs income from his portfolio to support his lifestyle. Although he doesn't expect his portfolio to grow, he would like his portfolio to last as long as possible, so some capital preservation is important.
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