u/morimorimoooo

Been doing some retirement planning and looking into retiring before 60 (and you need a bridging fund).

Provided there are leftover investment (such as shares and ETF) at 60, is it the best to push them into Super so it can grow tax free? One problem with that strategy is that it has a minimum withdrawal rate, which will eventually exceed the 4% withdrawal rate and deplete the fund.

Or would it be best to leave it as it is and let it grow (and pay the associated tax)?

Currently thinking of moving to Annandale but slightly worried about the flight path and the associated flight noise. I have been doing some research and residents usually mention other inner-west suburbs such as Leichhardt and Stanmore that are more impacted, but less so Annandale.

Can any residents of Annandale provide some insight on this? How bad is the noise? Does your sleep get affected? I am thinking specifically the East side of Annandale almost bordering Camperdown.

I found this https://aircraftnoise.airservicesaustralia.com/2020/04/30/sydney-airport-australian-noise-exposure-index-anei/ and the place is outside the shaded area but lived experience would be appreciated.

Thanks all.

Currently thinking of moving to Annandale but slightly worried about the flight path and the associated flight noise. I have been doing some research and residents usually mention other inner-west suburbs such as Leichhardt and Stanmore that are more impacted, but less so Annandale.

Can any residents of Annandale provide some insight on this? How bad is the noise? Does your sleep get affected? I am thinking specifically the East side of Annandale almost bordering Camperdown.

i found this https://aircraftnoise.airservicesaustralia.com/2020/04/30/sydney-airport-australian-noise-exposure-index-anei/ and the place is outside the shaded area but lived experience would be appreciated.

Thanks all.

Wanting a quick sanity check on FI goal.

Current situation at 32:
- 235k Super (with 50k FHSSS but mostly won’t need it)
- 240k Stock / ETFs mostly broad index
- In market to buy my first home
- 150k base job
- Aiming for 80k (today’s money) retirement at 55 (happy to retire earlier if I have enough money)
- Assuming I won’t invest another dollar in stock portfolio.

Provided I work for the same job until 55 and home paid off before retirement, will I achieve FI by 55?

Currently looking at an apartment that has a bottle shop underneath, and it closes at 9pm the latest. Location-wise is at Inner-west Sydney.

Is there any con that anyone can think of?

Currently looking at an apartment that has a bottle shop underneath, and it closes at 9pm the latest. Location-wise is at Inner-west Sydney.

Is there any con that anyone can think of?