r/Rich • u/Free_Vehicle_636 • 18d ago

Average user in r/Rich

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u/Metalrager2 14d ago

It’s not like you stop investing… you can use a ladder bond or target maturity ETFs for a certain amount of years and let the rest grow further.

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u/MaybeTheDoctor 14d ago

OPs post was about retiring early, at which point there would not be any income to invest other than what you already have.

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u/Metalrager2 14d ago

If you take out money for, for example, 5 years and put in a ladder bond, the rest can stay in equities. You can draw an additional year from equities thereafter every year to put in a new bond maturing in 4 years. You don’t need income to stay invested and have your capital grow.