{"id":4772,"date":"2020-06-22T06:38:26","date_gmt":"2020-06-22T06:38:26","guid":{"rendered":"https:\/\/kuvera.in\/blog\/?p=4772"},"modified":"2021-12-15T13:23:12","modified_gmt":"2021-12-15T13:23:12","slug":"retire-early-can-we-achieve-fire","status":"publish","type":"post","link":"https:\/\/kuvera.in\/blog\/retire-early-can-we-achieve-fire\/","title":{"rendered":"Retire early &#8211; can we achieve FIRE?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_40 counter-hierarchy ez-toc-counter ez-toc-light-blue ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" area-label=\"ez-toc-toggle-icon-1\"><label for=\"item-69d0921aae5bb\" aria-label=\"Table of Content\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d0921aae5bb\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/kuvera.in\/blog\/retire-early-can-we-achieve-fire\/#FIRE_Financial_Independence_Retire_Early_-_a_reality_check\" title=\"FIRE (Financial Independence Retire Early)\u00a0 &#8211; a reality check!\">FIRE (Financial Independence Retire Early)\u00a0 &#8211; a reality check!<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/kuvera.in\/blog\/retire-early-can-we-achieve-fire\/#Passive_Retirement\" title=\"Passive Retirement\">Passive Retirement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/kuvera.in\/blog\/retire-early-can-we-achieve-fire\/#Working_Retirement\" title=\"Working Retirement\">Working Retirement<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/kuvera.in\/blog\/retire-early-can-we-achieve-fire\/#Following_Steps_will_help_you_to_create_the_corpus_for_your_Retirement\" title=\"Following Steps will help you to create the corpus for your Retirement.\">Following Steps will help you to create the corpus for your Retirement.<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/kuvera.in\/blog\/retire-early-can-we-achieve-fire\/#In_conclusion\" title=\"In conclusion\">In conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/kuvera.in\/blog\/retire-early-can-we-achieve-fire\/#Interested_in_how_we_think_about_the_markets\" title=\"Interested in how we think about the markets?\">Interested in how we think about the markets?<\/a><\/li><\/ul><\/nav><\/div>\n<p><img loading=\"lazy\" class=\" wp-image-4841 alignleft\" src=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2020\/06\/Image-2.jpg\" alt=\"\" width=\"140\" height=\"93\" srcset=\"https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2020\/06\/Image-2.jpg 720w, https:\/\/kuvera.in\/blog\/wp-content\/uploads\/2020\/06\/Image-2-300x200.jpg 300w\" sizes=\"(max-width: 140px) 100vw, 140px\" \/>Gursimran Singh is Principal Founder, SEBI Registered Investment Adviser ( RIA) and fee-only financial planner at <a class=\"c-link\" href=\"http:\/\/www.paramasa.com\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-sk=\"tooltip_parent\" aria-describedby=\"sk-tooltip-3483\">www.paramasa.com<\/a><\/p>\n<p><em>Opinions expressed are the authors and should not be construed as investment advice from Kuvera.<\/em><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"FIRE_Financial_Independence_Retire_Early_-_a_reality_check\"><\/span>FIRE (Financial Independence Retire Early)\u00a0 &#8211; a reality check!<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>&nbsp;<\/p>\n<p><strong>FIRE <\/strong>is the new Buzzword and currently and it is the most trending topic in personal finance.<\/p>\n<p>&nbsp;<\/p>\n<p>It is very cool to say that <em>oh! I want to quit the Rat Race and Retire on Beach! <\/em><\/p>\n<p>&nbsp;<\/p>\n<p>Or I want to work on my passion.<\/p>\n<p>&nbsp;<\/p>\n<p>But the real question is how is that possible? With loans, Children Education, Inflation and your own retirement goals is it possible to forgo at least 20 years of your earnings that is also when you are at peak of your career ..assuming you retire at 40 which is as per various poll conducted is the most preferred age to take early retirement, also in the time when our lifespan and our medical bills at a later stage of our life are increasing ..sounds scary!<\/p>\n<p>&nbsp;<\/p>\n<p>So is it possible? let&#8217;s find out!!!<\/p>\n<p>&nbsp;<\/p>\n<p>According to my experience and learnings of over the past two decades in personal finance,\u00a0 there are two approaches towards retirement which we should consider.<\/p>\n<p><strong>1\/ Passive Retirement approach<\/strong> &#8211; this basically means that in retirement your passive income from your assets will be your only source of income. Passive income includes rent, interest income, capital gains from your portfolio which has real estate, stocks, bonds, gold etc.<\/p>\n<p><strong>2\/ Working Retirement approach<\/strong> &#8211;\u00a0 you will be monetizing your time. This I also call \u201cPassion Approach\u201d.\u00a0 For example in your active working life, you were working as a Chartered Account in some big firm etc. and now you want to work as a freelance photographer or on something which is your passion. So Working Retirement Approach will let you \u201cafford\u201d that passion. Pls focus on the word AFFORD as we all know it takes years to match your active job income from passion.<\/p>\n<p>&nbsp;<\/p>\n<p>Now let&#8217;s comes to the interesting part which is the math behind the above-mentioned approaches.<\/p>\n<p>Basically, we need to juggle Four things to make our FIRE a success which is a detailed analysis of our annual expenses, inflation rate, median portfolio return rate and withdrawal rate. Let&#8217;s calculate the math behind the above two approaches.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Passive_Retirement\"><\/span>Passive Retirement<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Since in this approach our only source of income is passive income, so the size of our portfolio matters a most. Your portfolio size should be minimum 34 times your annual expenses, so that we can manage maximum 3% withdrawal rate, which means if our annual expenses are 10 lakhs, then we need to save minimum 3.4 Crores because 3% annual withdrawal rate will be 10.20 Lakhs.\u00a0 Now as I said Inflation play a major role. In the Indian context 10% minimum returns from our portfolio, we should be targeting. The rationale behind this is that our average inflation is 7% and after the withdrawal rate, the return of our portfolio should match our inflation to make portfolio inflation-adjusted so that portfolio also grow with Inflation. So to put the example to test, our 3.4 Crores portfolio will generate 34Lakhs in year one, our Expenses is 10 lakhs so rest 24 lakhs will go back to the portfolio which is around 7% of the overall portfolio, it is a buying power your portfolio will lose if it does not generate that much return. So in 2<sup>nd<\/sup>\u00a0 year, your portfolio value will be 3.64 Crores and 3% withdrawal is 10.92 Lakhs which is also 7% more than our previous year expenses which were 10.20 lakhs, so our withdrawal rate will match our inflation rate. This way your portfolio will outlast your life span if we maintain the asset allocation matching our risk profile, maintaining a conservative withdrawal rate which means not going beyond 3% and managing portfolio returns.<\/p>\n<p>&nbsp;<\/p>\n<p>My request is We should not get fixated on actual numbers, but we should try to get the essence behind this concept. Personal Finance is very personal so you need to decide your own numbers, the levers you have to achieve this is your expenses and management of your portfolio, if you don\u2019t want to take that much risk you can reduce your expenses and can go with less withdrawal rate which means less annual returns you required but pls make sure that portfolio should at least matching the inflation rate of 7% if you are in India ..if you are in Switzerland for example. Where inflation rate is around 1% than with a 3% withdrawal rate you only need a 4% annual rate from your portfolio!!<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Working_Retirement\"><\/span>Working Retirement<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Here the objective is to bridge the gap with our income during our retirement as saving 34 times your annual expenses takes time and money if you take the above example of 10 lakhs. So let&#8217;s say we can\u00a0 generate 5 lakhs after we retire from our active job than all I need is 1.70 Crores which means less time and money to generate corpus which means you can retire much earlier also<\/p>\n<p>I know what you are thinking that it all looks good on paper and I also know that portfolio returns are not linear in nature, sometimes your portfolio will underperform and also FIRE is about retaining your lifestyle which you want to enjoy for rest of the life it not about \u201c Growing \u201c your lifestyle, also before going into FIRE mode you have to make sure that all your liabilities are paid off and have to make lifestyle changes. so there are no free lunches and FIRE is not for everyone. I will urge to take services of your financial advisor if you are not able to manage or understand this yourself.<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Following_Steps_will_help_you_to_create_the_corpus_for_your_Retirement\"><\/span>Following Steps will help you to create the corpus for your Retirement.<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>*Calculate the Future Value of your expenses or at the age, you want to retire, I recommend 7% Annual Inflation<\/p>\n<p>*When you know the FV which is your target also than start investing in financial products as per your risk profile for example Index funds for Moderate risk profile and Small Cap for aggressive clients<\/p>\n<p>*Always invest in <a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\" target=\"_blank\" rel=\"noopener noreferrer\">Direct plans<\/a>, every rupee counts!<\/p>\n<p>*The earlier you start the better it is as compounding only works when you have in your side<\/p>\n<p>*Buy Health Insurance with adequate cover\u00a0 and Term life Insurance<\/p>\n<p>*With every pay increase don&#8217;t enhance your lifestyle put that money into your investments Remember your objective!!<\/p>\n<p>*Finish all your liabilities<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"In_conclusion\"><\/span>In conclusion<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>My humble request is that don\u2019t treat FIRE as escapism from your job as you can see FIRE is not for everyone, it requires a lot of understanding, sacrifices and you need to have a purpose and well-drafted plan with a strategy if you want to achieve FIRE. If your Job is a problem then change your career, if you are happy with your work and want to continue than plan your goals and invest with timeframe till age 60 than FIRE is not for you. You need to understand yourself first before you embark on this journey. When your objective is clear and you are sure on what will be strategy than only you go ahead.<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<h4><span class=\"ez-toc-section\" id=\"Interested_in_how_we_think_about_the_markets\"><\/span>Interested in how we think about the markets?<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<p>Read more:\u00a0<a href=\"https:\/\/kuvera.in\/blog\/category\/zen-and-the-art-of-investing\/\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Zen And The Art Of Investing<\/strong><\/a><\/p>\n<p>Watch\/hear on YouTube:<\/p>\n<p><iframe loading=\"lazy\" title=\"Amidst Uncertain Markets &amp; Risk Aversion, Is Gold still a BUY?| Gaurav Rastogi on Money Money Money\" src=\"https:\/\/www.youtube.com\/embed\/videoseries?list=PLDSzQdT9nLmDSP3gSlDkPcUl-cfeI-KeB\" width=\"640\" height=\"480\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe><\/p>\n<p>Start investing through a platform that brings goal planning and investing to your fingertips. Visit\u00a0<a href=\"https:\/\/www.kuvera.in\/\"><strong>kuvera.in<\/strong><\/a>\u00a0to discover\u00a0<a href=\"https:\/\/kuvera.in\/blog\/direct-plans-better\/\"><strong>Direct Plans<\/strong><\/a> \u00a0and\u00a0<a href=\"https:\/\/kuvera.in\/user\/login\"><strong>start investing today.<\/strong><\/a><\/p>\n<p>#MutualFundSahiHai, #KuveraSabseSahiHai!<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Gursimran Singh is Principal Founder, SEBI Registered Investment Adviser ( RIA) and fee-only financial planner at www.paramasa.com Opinions expressed are the authors and should not be construed as investment advice from Kuvera. &nbsp; &nbsp; FIRE (Financial Independence Retire Early)\u00a0 &#8211; a reality check! &nbsp; FIRE is the new Buzzword and currently and it is the [&#8230;]<\/p>\n<p><a class=\"btn btn-secondary understrap-read-more-link\" href=\"https:\/\/kuvera.in\/blog\/retire-early-can-we-achieve-fire\/\">Read More&#8230;<\/a><\/p>\n","protected":false},"author":7,"featured_media":4834,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[99],"tags":[92,322,67,352,143],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Retire early - can we achieve FIRE? - Kuvera<\/title>\n<meta name=\"description\" content=\"Learn more about FIRE and evaluate if it is right for you. 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