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How to be fully retired after the 15 years.

Posted in: Investment by Jaromír Adámek on December 22, 2009. Post tags: , ,

Are you 30 years old and you wanna be fully retired in 45 :) ?

If you will invest only 200 € each month, with Interest rate 10% per year you will be retired (minimum requirements as is food, home, …) after 15 years when you will earn only on interest rate 5845 € each year!!! This is ok for my cheap country :) , If you will need to live 29225 € per year you will must save each month 1000 € for period of the 15 years…

Goal is to save how much as is possible, use all tax advantages (run own biz, pay low on taxes, return some taxes from the government) and invest only to high interest rates investmentents as is stocks with good dividends (now my primary stock giving me dividends 11,8%). You must invest, not save! Interest rate 1-3% will kill your money! With interest rate 1-3% and inflation 1-3% you are on ZERO . So I’m personally using stocks, good, traditional, big firms, with dividends 6+ percents per year. Now my primary stock giving me 11,8% of dividends, this is investing which will take me "out"!

Year Your deposit / year [€] Investment total / year [€] Interest / year [€]
1 2 400 2 400 0
2 2 400 4 800 240
3 2 400 7 440 480
4 2 400 10 320 744
5 2 400 13 464 1 032
6 2 400 16 896 1 346
7 2 400 20 642 1 690
8 2 400 24 732 2 064
9 2 400 29 196 2 473
10 2 400 34 069 2 920
11 2 400 39 389 3 407
12 2 400 45 196 3 939
13 2 400 51 535 4 520
14 2 400 58 455 5 153
15 2 400 66 008 5 845
16 2 400 74 253 6 601
17 2 400 83 254 7 425
18 2 400 93 080 8 325
19 2 400 103 805 9 308
20 2 400 115 513 10 381
21 2 400 128 293 11 551
22 2 400 142 245 12 829
23 2 400 157 474 14 224
24 2 400 174 099 15 747
25 2 400 192 246 17 410

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