TokyoBoglehead wrote: ↑Mon May 01, 2023 10:38 pm
captainspoke wrote: ↑Mon May 01, 2023 8:47 pm
The money numbers seem fine. The aspect of milestones (kilometer stones?) that occupy part of my attention is cycling. This is the smallest nutshell for 2022. And while it's been a slow start, a 2023 goal would be to match that.
("Activities" = cycling. So just a summary of that, I do other things but don't bother logging that in garmin.)
You seem to have gotten a bit lost. :lol
Here you go:
https://tokyocycle.com/#general-forum
Lost? ...not really.
• I'm 71, which is its own kind of milestone.
• One of my parents died at 54, the other at 97, so I have about 4 years to go before I'll have hit my parents' average lifespan--a future milestone I hope to hit and exceed.
• Two kids in their 30s, both thru uni and now married, seemingly off on their own trajectories, a milestone (two milestones?).
• Still married ourselves after 35 years(!), milestone.
• And still able to enjoy those miles on a bike. Of course that's a milestone--esp. given an accident & past medical issues.
And to me, those are the areas where contentment lies, the stuff that 'counts'.
***
...But, the financial background: We haven't had any debt for well over 20 years. We simply paid-as-they-went for the kids' uni money. We both get pensions, enough to live on comfortably even if we were otherwise broke. Personally, after six years of retirement (no work, zero side hustles), I still have over half of my severance pay, so I haven't had to touch 'investments' (and that situation should last another 6+yrs)--no worries about whether the 4% rule is really the 2% rule, etc. To this point, my wife's situation is a little different, she's been retired two years, but probably more similar than not (e.g., she does have a post retirement side hustle).
Since I've been retired for a while, I haven't been adding to investments. For that account, which is in the US (and these percents exclude/ignore remaining 退職金 here), I've always been on the aggressive side. So maybe this is the interesting part?
• 54% in SCHG, VGT, QQQ, and SMH. (descending order, here and next items)
• 30% in SCHX, VIG, and SCHD.
• 16% in various dividend payers (and some cash).
That last group is my sandbox, where I allow myself to throw darts, the first and second are "no-touch'ems".
((and no bonds, in case that went unnoticed
))
Overall, that account paid about $25k/(¥3m) in 2022 dividends. The plan going forward is to let that accumulate, either as cash or additions to any of the above, or maybe give it away. Of course there are some taxes on that, but taxes are just a fact of life. That account is in dollars, and yes it's down some in the last 1- and 2-year periods (but up a lot in the last six months). Of course the value of dollars has changed with the relative value of the yen.
