{"id":100100,"date":"2025-02-20T20:37:36","date_gmt":"2025-02-20T20:37:36","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/investing\/retirement-investing-today-perspective\/"},"modified":"2025-02-20T20:37:36","modified_gmt":"2025-02-20T20:37:36","slug":"retirement-investing-today-perspective","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=100100","title":{"rendered":"Retirement Investing Today: Perspective"},"content":{"rendered":"


\n<\/p>\n

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\nIf you were a trader on the financial markets, I\u2019d think that you\u2019ve probably had quite an interesting week.\u00a0 After all the S&P500 is down 11.5% (an official correction without even going back into the declines of the previous week), our FTSE100 is down 11.1%, the Nikkei225 is down a more modest 9.6% while the ASX200 is down 9.8%.<\/p>\n

Word on the street is that this has been caused by fear of what coronavirus, or to use its catchier name, COVID-19, could do to global financial performance, including the more than 1,000 companies contained within just those four faceless indices I\u2019ve mentioned.\u00a0 Years ago I proved I was a useless trader<\/a>\u00a0so with that in mind I\u2019d also still suggest that some of the moves are caused by the coronavirus being a good excuse to have a market pullback given markets like the S&P500\u2019s current hefty valuation<\/a>.<\/p>\n

Down market moves like this then give those of us who are paid to sell drama a great opportunity to come up with headlines like \u201cCoronavirus meltdown: Airlines plunge as global stock markets suffer their worst week since the 2008 financial crisis\u201d (I won\u2019t link to the source of that one but if you\u2019re interested Google is your friend) through to something a little more data driven like \u201cShares drop in worst week since financial crisis<\/a>\u201d<\/p>\n

If you didn\u2019t take personal finance seriously, articles like those might even be enough to cause you to panic (whether or not the first $100 billion trading day for the ETF SPY (an S&P500 tracker) was panic is of course debatable) with your own wealth or even not get started on the road to financial independence in the first place.<\/p>\n

Of course in amongst all this there are good quality reasoned articles<\/a>\u00a0trying to balance up the drama.\u00a0 As I have the data to hand (I check my financial position every Saturday morning with a decent coffee in hand, it takes 15 minutes) I\u2019m also going to also have a go at presenting a bit of balance by simply sharing what this week has meant for somebody who is now financially independent and working a plan that should enable us to just live off the dividends of a globally diversified asset class diversified portfolio, that now consists largely of ETF\u2019s tracking indices like those above, in the not too distant future.<\/p>\n

Today my asset allocation looks like this<\/p>\n

\n\"Current<\/a><\/div>\n

\nClick to enlarge, Current RIT Asset Allocations<\/i><\/p>\n

\nwith my financial journey now looking like this<\/p>\n

\n\"RIT<\/a><\/div>\n

\nClick to enlarge, RIT Progress Towards Retirement and In Retirement<\/i><\/p>\n

\nI could present that information in two ways.\u00a0 Firstly, I\u2019m down \u00a383,700, which is more than 3 years of planned spending, which sounds pretty scary or secondly, I\u2019m down 5.8% which puts my wealth back to where it was in June 2019, which sounds a little more benign.\u00a0 The difference between the referenced markets 9.6% to 11.5% declines and my performance is diversification of asset classes, countries where those assets exist and currency movements.<\/p>\n

Where it gets even more interesting is, that while no final decision has been made, it\u2019s looking more and more likely that we\u2019ll be emigrating yet again to more sunnier climes.\u00a0 Our visa application has passed it\u2019s first hurdle, resulting in a chunk more money being spent, so we may only be a few months away from having to make a big decision.\u00a0 Priced in the currency of that country and that 5.8% decline becomes an even more modest 5.1%.\u00a0 In wealth terms I\u2019m back to where I was in December 2019!<\/p>\n

Looking at it that way my next step is to have another cup of joe, after all it\u2019s a pretty grey and wet day out there today, then financially do absolutely nothing.<\/p>\n

As always though, you need to do your own research and act accordingly.\u00a0 Have you done anything in the financial markets this week and are you planning to take any action in the near future?<\/p>\n<\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"

If you were a trader on the financial markets, I\u2019d think that you\u2019ve probably had quite an interesting week.\u00a0 After all the S&P500 is down 11.5% (an official correction without even going back into the declines of the previous week), our FTSE100 is down 11.1%, the Nikkei225 is down a more modest 9.6% while the […]<\/p>\n","protected":false},"author":1,"featured_media":100103,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[96],"tags":[10906,12666,11077,1513],"dealstore":[],"offerexpiration":[],"class_list":["post-100100","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","tag-investing","tag-perspective","tag-retirement","tag-today"],"yoast_head":"\nRetirement Investing Today: Perspective - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=100100\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Retirement Investing Today: Perspective - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"If you were a trader on the financial markets, I\u2019d think that you\u2019ve probably had quite an interesting week.\u00a0 After all the S&P500 is down 11.5% (an official correction without even going back into the declines of the previous week), our FTSE100 is down 11.1%, the Nikkei225 is down a more modest 9.6% while the […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/fivemor.com\/?p=100100\" \/>\n<meta property=\"og:site_name\" content=\"Som2ny Network\" \/>\n<meta property=\"article:published_time\" content=\"2025-02-20T20:37:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/02\/200229-1.png\" \/>\n\t<meta property=\"og:image:width\" content=\"558\" \/>\n\t<meta property=\"og:image:height\" content=\"293\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/fivemor.com\/?p=100100#article\",\"isPartOf\":{\"@id\":\"https:\/\/fivemor.com\/?p=100100\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\/\/fivemor.com\/#\/schema\/person\/b85e3c3dc0e1daea076524dc8810c371\"},\"headline\":\"Retirement Investing Today: Perspective\",\"datePublished\":\"2025-02-20T20:37:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/fivemor.com\/?p=100100\"},\"wordCount\":671,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/fivemor.com\/#organization\"},\"image\":{\"@id\":\"https:\/\/fivemor.com\/?p=100100#primaryimage\"},\"thumbnailUrl\":\"https:\/\/fivemor.com\/wp-content\/uploads\/2025\/02\/200229-1.png\",\"keywords\":[\"Investing\",\"Perspective\",\"Retirement\",\"Today\"],\"articleSection\":[\"Investing\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/fivemor.com\/?p=100100#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/fivemor.com\/?p=100100\",\"url\":\"https:\/\/fivemor.com\/?p=100100\",\"name\":\"Retirement Investing Today: Perspective - 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