If you have enough passive income, then retiring by age 45 is the ideal retirement age. You may have the perfect mix of wealth, health, experience, and confidence. Initially after you retire early, you shouldlower your safe withdrawal rateto help you adjust during the transition. By age 45...
The one thing I must caution is havinga retirement withdrawal ratemuch higher than 2X the risk-free rate of return. As we've seen during previous periods where low interest rates stayed low for an extended period of time, asset bubbles can form and then burst. Therefore, don't just assume...
The world market cap weighting has shifted to 52% US and 48% non-US, as tracked by the Vanguard Total World Stock ETF (VT). VT tracks the FTSE Global All Cap Index which is a free-float-adjusted, market-capitalization-weighted index. I like simplicity and symmetry, so I am sticking w...