FIRE strategies for Swiss investors

[Keewee]

Great questions

I can answer based on our own strategy for FIRE, but it may not apply to your situation.

1. Currently, we aim for 3.8, but we will adapt until we reach retirement. 3.5% is likely fine. Our worst enemy as Swiss investors is the depreciation of USD.
2. We plan to go 100% stocks. But if you plan to be more conservative, a great strategy is an equity glidepath. You start with 20% bonds (or cash) for instance and you slowly sell them to go 100% stocks. This way, bonds, and stocks are doing what they are great for, respectively short and long term.
5. We plan to keep a house in retirement. Our plan for that is to have a long-term mortgage before we retire to avoid issues renewing it and prepare significant enough margin so that banks won't be deterred.

Hi @Baptiste Wicht I'm curious why you plan to go 100% stocks, rather than a bond tent/ equity glidepath approach? Thank you

 

[Baptiste Wicht]

Hi @Baptiste Wicht I'm curious why you plan to go 100% stocks, rather than a bond tent/ equity glidepath approach? Thank you

Because my risk capacity allows it

If I don't get income from my blog in early retirement, I will consider a glidepath from 80% stocks to 100% stocks to increase the safety.

 

[Rebecca]

What are the cheapest countries to live in comfortably (and safely)? If you don't need much and just want to chill and let your portfolio grow a bit more, while also living off of a part of the earnings: what place on earth would allow you to spend the least?

There is a free online tool called PortfolioAtlas that allows users to compare FI numbers in different countries and cities.

The creator of PortfolioAtlas also wrote an informative article that included this chart, it applies the 4% rule to several cities around the world.