No. of Recommendations: 5
CC writes:
All the points in the KISS post are dead-on, but what if you are 40 or 45 and you haven't saved 25 times your income? This is where alternative investments MAY become viable. Are there any strategies (not get rich quick schemes) that MAY allow someone to (1) accelerate their LBYM and (2) take some risk to reach the point where their anticipated retirement needs can reasonably be met?

Good point, and I think you know at least one of the answers to your question. One of the major drawbacks of the safe withdrawal rate study is that it speaks not at all to the real problem; assembling that starting nut. Because of its volatility, the stock market is an absolutely horrid place to be during the accumulation stage. For someone desiring very early retirement, you either get lucky or you fail. I prefer to eliminate luck as a consideration to the greatest extent possible. Since the volatility of the equities markets can create extended period of low returns, an equity heavy approach in the short accumulation period allowed to early retirees, is a pure crapshoot. LBYM, diversification and the use of investment approaches that involve real estate are advised.

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