This is such a good article about early retirement it's worth revisiting every now and again to get a reminder of the need to keep busy and mentally/socially/physically engaged once you leave the work force.
While everyone is different, for many (including me), planning a degree of structure into my days is a must. Goals matter in part because I didn't retire from my job - I retired to a different lifestyle and to priorities that were different from earning money. I didn't retirees I could sit on my butt watching TV and eating junk food all day.
Philip Greenspun Early Retirement
Friday, May 20, 2016
Monday, May 02, 2016
Financial Review - April, 2016
April saw a modest appreciation in net assets with small gains across all relevant asset classes - enough to tip the portfolio back into positive territory for the year to date.
Here are the details:
1. my Hong Kong/China equity portfolio appreciated slightly;
2. my AU/NZ equities appreciated;
3.my equity ETFs rose slightly (India, Vietnam, Hong Kong and China) in line with the local markets;
4. my position in silver appreciated;
5. all tenants are paying on time. We are back to full occupancy with one tenant agreeing to a small increase in rent for a new lease. One building will be subject to a lengthy renovation exercise. My tenant has agreed to tough it out in exchange for a significant discount on the rent (which is better than a lengthy vacancy);
6. the NZD and the AUD were flat against the HKD/USD;
7. my position in bonds remains small but I have subscribed for some corporate bonds which will appear in the portfolio next month;
8. expenses were high with the cost of a long weekend for the family in Bangkok and the acceptance fee for another degree programme being paid;
9.there were no transfers to Mrs Traineeinvestor.
My cash position fell slightly due to the higher expenses. I currently hold 34.5 months of expenses in HKD cash or equivalents.
For the month the portfolio rose 0.62 percent and the year to date increase in 0.21 percent.
Here are the details:
1. my Hong Kong/China equity portfolio appreciated slightly;
2. my AU/NZ equities appreciated;
3.my equity ETFs rose slightly (India, Vietnam, Hong Kong and China) in line with the local markets;
4. my position in silver appreciated;
5. all tenants are paying on time. We are back to full occupancy with one tenant agreeing to a small increase in rent for a new lease. One building will be subject to a lengthy renovation exercise. My tenant has agreed to tough it out in exchange for a significant discount on the rent (which is better than a lengthy vacancy);
6. the NZD and the AUD were flat against the HKD/USD;
7. my position in bonds remains small but I have subscribed for some corporate bonds which will appear in the portfolio next month;
8. expenses were high with the cost of a long weekend for the family in Bangkok and the acceptance fee for another degree programme being paid;
9.there were no transfers to Mrs Traineeinvestor.
My cash position fell slightly due to the higher expenses. I currently hold 34.5 months of expenses in HKD cash or equivalents.
For the month the portfolio rose 0.62 percent and the year to date increase in 0.21 percent.
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