We published our Multi-Strategy Model Portfolio Market Wrap for September 2023. Let's see how our retirement heroes, who have been implementing this multi-strategy approach, are faring at the end of September 2023.
John, 32 years old, looking to retire in 18 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 September 2023, he has contributed USD 57K. If he sticks to his plan, he can expect to withdraw USD 7.5K every month when he retires in 18 years without ever depleting his retirement nest egg. He is currently sitting on an accumulated profit of about 6K. John wants his portfolio to be 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, 52 years old, looking to retire in 8 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 make up for the shorter runway. As of the end of September 2023, he has contributed USD 176K. If he sticks to his plan, he can expect to withdraw USD 9.5K every month when he retires in 8 years without ever depleting his retirement nest egg. He is currently sitting on an accumulated profit of about 9.5K. Paul wants the same things as John, some capital protection and growth. He does not need to withdraw from his portfolio as his high salary can cover his expenses.
Sam, 67 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 September 2023, he has already drawn a total of USD 350K, but his portfolio is still worth about USD 780K. 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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