Alice McGregor » user profile
| Member Since | 23/09/2023 |
|---|---|
| Last Seen | 22/04/2024 |
| Location | Wa |
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Alice McGregor replied to 
jacobb on Is Marriage The Only to Avoid Medicare Levy Surcharge, Other than Buying PHI?
jacobb on Is Marriage The Only to Avoid Medicare Levy Surcharge, Other than Buying PHI?Not really Tax to GDP in 97 was 28.6% in 2020 was 28.5% Tax on personal income to GDP in 97 was 12.02% and 2020 was 11.45%…
No idea on self managed or not, currently not. 45ish at the above assumptions, or at least quit my day job. Yes.
That's an important assumption I missed.
That or be on a pension. But yes. That's why wage growth is still a factor even after retirement.
That sounds true. But I'm a long way off 70. If I retire at 45. And only get 0.025 increases I'll be on 129k by the time I'm 70. A wage…
Sequencing risk is very real. But because it's higher early in retirement it's presumably easier to cover with a part time job. Long term…
Sure. And your living standards won't fall. But it will decline relative to wage earners and pensioners. That $70k now buys you a…
too much money is an easy problem to fix. It's more the time I'm worried about wasting.
Not really. If you retire on $80k with a 0.025 inflation uplift but everyone around you is getting a 0.045 wage growth uplift then after…
Wage growth is an interesting one. My savings rate is large so it doesn't have a huge effect on my pre retirement planning but it does…
The excess money is kinda the problem. With a 50bp change in Super returns I can be either broke or a geriatric millionaire. Which means I…
Alice McGregor posted a forum topic Retirement planning assumptions
What financial assumptions are you using for long term planning? Super 0.07 Inflation 0.025 Mortgage rate 0.05 ASX 0.08 I've recently been…
They are neither anti Labor nor anti immigration. They are anti mass immigration and the governments that support it. That included the…
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