No. of Recommendations: 0
I've been living off investments for several years,..One thing that has been troubling me from the beginning is how fragile the situation seems in our tortious society.  What can I do to help judgment-proof my investments, other than spend lots of money on lots of personal insurance?  It goes without saying that I need to continue to have access to my investments to live.  I'm 55, and living on the pension and capital appreciation, rather than on dividends.

Welcome to the board..not that I'm a long timer; just
discovered this board a couple weeks ago and lurking mostly. I may be misunderstanding but it seems like you're asking two questions, one on insurance (or did you mean that metaphorically?) and once on judgement proofing. Your profile indicates you are using ETFs, at least to some
extent. If you stick with a basket of ETFs that is diversified, (i.e., not 100% foreign stocks, not 100% small cap, but a reasonable mix in resonable proportions) and not tinker
with it, your risk level would be on the lower end.

I'm not sure how this ties to your comment about living on capital appreciation but the traditional thinking is that taking out 4% in the first year and adjusting up for inflation in future years is reasonably safe to have one's capital last at least 30 years. You're already retired so I'm sure you've
heard of the 4% maybe  I misunderstand your comment.

I'm not retired but hope to be in your shoes in 5 years or have been thinking a lot about living well on less. Or actually, I don't plan to ever "Retire" but to move to part time work in areas where my heart is and have the rest of the time for more rest, relaxation, volunteering, etc..

Semi OT..I have some in ETFs but not a European focused one..notice you listed IEV...other than it being relatively
newer (2005) do you have thoughts on VGK,which my search turned up, and has 0.18% rather than 0.6% expensees? Not that 0.42% is life and death, but does VGK have some major drawback relative IEV that I'm not aware of? Thanks.
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