FIRE Portfolio

Optimised for Financial Independence, Retire Early (FIRE) seekers.

Allocation Breakdown

4 Assets

US Total Stock Market

International Stocks

US Bonds

REITs

Target Allocation

Asset Class	Weight	Example Ticker
US Total Stock Market	50%	VTI
International Stocks	25%	VXUS
US Bonds	15%	BND
REITs	10%	VNQ

Risk Level

Moderate to High

Rebalance Frequency

Semi-annually

Advantages

Growth-oriented for wealth building
REIT income for diversification
Can transition to income focus
Aligns with 4% withdrawal rule

Disadvantages

Still 75% equities — significant drawdown risk
REITs can be volatile
May need adjustment at retirement
Assumes long time horizon

About This Portfolio

The FIRE Portfolio is designed for investors pursuing Financial Independence and Early Retirement. It maintains a growth-oriented allocation to build wealth quickly during the accumulation phase, while including some bonds and REITs for diversification and income when transitioning to the drawdown phase.

Historical Context

The FIRE movement, popularised by blogs like Mr. Money Mustache and the book "Your Money or Your Life", advocates saving 50-70% of income and investing aggressively to retire decades early. The Trinity Study and its updates support a 3.5-4% safe withdrawal rate.

Who It's For

Investors on the FIRE path who need aggressive growth during accumulation but want a portfolio that can transition to income generation.

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