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How to Retire Early with a Locked-In Pension

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Wanderer

The Wanderer retired from his engineering job at a major Silicon Valley semiconductor company at the age of 33. He now travels the world, seeking out knowledge from other wealthy people, so that he can teach people how to become Financially Independent themselves.
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For some odd reason, we’ve gotten a recent flood of emails asking us about how to pull off this whole FIRE thing if they have some kind of locked-in retirement account (eg. pension), so I thought I’d use today’s article to address this. What is a Locked-In Account? A Locked-In account is the catch-all term for any retirement account that has an age limit on when you can withdraw. Note that there is a distinction between an actual Locked-In Account versus a supposedly Locked-In Account that you can access using some form of loophole. The American 401(k)/403(b)/TSP is a good example of […]

Why You Shouldn’t Buy Target Date Funds

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Wanderer

The Wanderer retired from his engineering job at a major Silicon Valley semiconductor company at the age of 33. He now travels the world, seeking out knowledge from other wealthy people, so that he can teach people how to become Financially Independent themselves.
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For some reason lately I’ve been getting a bunch of emails asking me what I think of a particular Target Date Fund, so I thought this would make a good article. But before we get into what I think of these things (hint: It’s in the title of this article), let’s first talk about what these things are. What is a Target Date Fund? Target Date funds are also known as Lifecycle Funds, Age-based Funds, or Dynamic Risk Funds. That last one sounds makes it sound pretty cool, but basically what Target Date funds do is adjust your asset allocation […]

The Yield Shield: Taxes

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Wanderer

The Wanderer retired from his engineering job at a major Silicon Valley semiconductor company at the age of 33. He now travels the world, seeking out knowledge from other wealthy people, so that he can teach people how to become Financially Independent themselves.
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I thought I was done talking about this, but due to the high level of interest in this series, I’m going to do one more article on this, as well as create a series that you can access from the menu bar. Just hover over “Series” and you’ll see a link to the Yield Shield articles. So to recap, we’ve covered the Four Pillars of the Yield Shield, which are: Preferred Shares Real Estate Investment Trusts Corporate/High Yield Bonds High-Dividend Stocks And we also talked about how to put these pillars together to boost the yield of your portfolio and […]

The Yield Shield: Putting it all Together

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Wanderer

The Wanderer retired from his engineering job at a major Silicon Valley semiconductor company at the age of 33. He now travels the world, seeking out knowledge from other wealthy people, so that he can teach people how to become Financially Independent themselves.
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Today we will be concluding our multi-part series on the Yield Shield. Over the past few weeks we wrote about all the parts that make up the Yield Shield, namely: Preferred Shares Real Estate Investment Trusts (REITs) Corporate/High Yield Bonds Dividend Stocks And throughout it all, people have been emailing me asking “Yeah that’s great, but how do I put it all together to assemble my own Yield Shield?” So today we’re going to be talking about exactly that. It’s All About Pivoting Building a Yield Shield isn’t hard. It’s simply a matter of taking your existing low-cost indexed portfolio […]

The Yield Shield: Dividend Stocks

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Wanderer

The Wanderer retired from his engineering job at a major Silicon Valley semiconductor company at the age of 33. He now travels the world, seeking out knowledge from other wealthy people, so that he can teach people how to become Financially Independent themselves.
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This header image may be confusing to most of you when talking about dividends, but by the end of this article it will all make sense, I promise. Today we will be rounding out our article series on the Yield Shield. So far, we’ve discussed three pillars of the yield shield, which are: Preferred Shares Real Estate Investment Trusts Corporate Bonds Today we will be discussing the 4th and final pillar of the Yield Shield: High-Dividend Stocks. What is a Dividend? To give some background, as a company grows and makes money, they can basically choose to do two things […]

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