Hi all,
First of all - thanks to original forum creator and rest of members - all the material has really helped us. I would love to get your views on my below line of thinking:
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Background / context: 38 year old, married with 1 kid. Very lucky to have joint household income of ~400k per annum. Assets of ~1 mio CHF in VT IB ETF + ~350k in pillar 2 and 3 combined. Savings rate of ~200k per annum (last 2 years). While earning is good, jobs are quite stressful with 60+ hours. Post retirement, ~100k per annum expenses should be enough. High taxation Canton
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I was thinking that with 5 more years of work, we should be at ~2-2.5 mio CHF assets (equity + pillar 2/3) and at 4% withdrawal rate, can look at early retirement based in Switzerland
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Some of the upsides would be: wife continues to work if she wants, pillar 1 pension, unemployment coverage for 2 years post retirement
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I link some of the life choices to number of additional work years:
Continue international schooling: +1 year
Save for potential US college education: +2 years (400k)
Buy a camper van and nice car: +1 year
Buy primary residence: +3 years (2 mio price with 33% equity stuck)
Would love to get your inputs on whether this is a sane / realistic way of thinking.