Getting Rich Quick - Million Plus Retirement Strategy

This is the napkin draft of our Three Segment Investment Strategy as of 12.18.2020, Post Government by Tweet

There are a lot of people looking for the quick fix, they fail. Sustainable wealth is a long flowing process. However, this strategy is only quicker because others burn too brightly or merely burnout trying to exit the stratosphere.

Think of it like Mario kart. Some people are trying desperately to find that one special corner on the Rainbow Bridge, only to mess up. Success is an art and science based on consistency.

Below is the framework that you need to have in your mind. Win or Lose that’s wealth in its simplest form.

Personally, we are trying to get out of here in 15 years or less. Let’s see if we make it.

Disclaimer: Don’t try to copy and paste our investment ideas. 1. I changed them in the huddle. Basically I call audibles as the game changes in real time. 2. my risk profile and risk capacity is 90% different from yours. 3. I go off of qualitative, quantitative and ultimately instincts if nothing makes sense. Investing is a kin to gambling in my opinion.

401k Plans

$3,250/month at 90 Equities/10 Bonds ratio. Maximum contribution of $19,500 per person, per year. Total of $39,000 for 2021 with Matching Contributions of 11% for approximately $10,000.

Net total contributions of $49,000

Triggers of a good investment plan:

Check on the Fees with Personal Capital.
Average growth of +12% per year
AGI Reduction of $39,000
Tax reduction of approximately $7,800

Additionally, I call these Trigger points because every good decision seems to generate other automatic unforeseen benefits. You don’t have to know all the math.

Investing in yourself is a win win strategy.

Estimated Segment Growth (with starting $200,000):

	After 5 Years	After 10 Years	After 15 Years
Addtl. Contributions	$250,000.00	$500,000.00	$ 750,000.00
Interest Growth	$ 237,223.63	$ 845,878.15	$ 2,109,120.79
Ending Total Amount	$ 687,223.63	$ 1,545,878.15	$ 3,059,120.79

M1+ Strategy

We are merely playing the odds with this one. $1,250/month with dividend reinvested throughout. Net total annual contributions of $20,000. However, we did well in 2020 so?

1^st QTR

A little Health, Tech, and Travel *Focused Sectors

January 2021

$375 PFizer (Health)

$125 ABBT labs (Health)

$500 Peloton $PTON (Health)

$250 JETS (Travel)

February 2021

$500 JETS (Travel)

$500 CVS $CVS (Health)

$250 Misc. (Health and/or Index)

March 2021 – $1,250 All Portfolio

2^nd QTR

Travel and Long term Health

May, April and June 2021 – $1,250 All Portfolio

3^rd QTR

Travel and Retail Trading

September 2021

$425 Global (Pie)

$825 Home/REIT+(Pie)

July and August 2021 – $1,250 All Portfolio

4^th QTR

Portfolio Rebalance

October 2021

$625 Global (Pie)

$325 QQQ (Index)

$300 VTI (Index)

November and December – $1,250 All Portfolio

Here is a link to this pie, https://m1.finance/EiMck0gP1Oco

Triggers of a good brokerage investment plan:

Check for Low Fees
Mkt. growth goal of +20% per year
Low profit conversions ie Capital Gains and Ordinary Taxes
Sector and Growth Stocks
Dividend Yield of 2% or More

Estimated Segment Growth (with starting $20,000):

	After 5 Years	After 10 Years	After 15 Years
Addtl. Contributions	$100,000.00	$200,000.00	$ 300,000.00
Interest Growth	$ 91,792.47	$ 489,033.51	$1,556,561.93
Ending Total Amount	$ 211,792.47	$ 689,033.51	$1,876,561.93

ROTH IRA Strategy

$1,000/month with dividend reinvested throughout. Minimum 50 Shares in each holding. Net total annual contributions of $12,000 Annual for both IRAs

1^st QTR

Off-sell and Rebalance for Dividends

$1,500 O Realty Income (REIT)

$1,000 TELSA $TSLA

$500 FREL (REIT)

2^nd QTR

Energy and Systems

$1,500 Exxon Mobil $XOM (Energy)

$1,500 Cisco Systems $CSCO (Tech) or other growth opportunity

3^rd QTR

Consumer Staples and Indexes

+$750 Johnson and Johnson $JNJ (Consumer Staples)

$1,000 PEPSI $PEP (Consumer Discretionary)

$1,250 QCLN (tech)

4^th QTR

Final Portfolio Rebalance

$750 3M $MMM (Consumer Staples)

$1,000 FCOM (Communication)

$1,250 Misc.

2nd ROTH IRA (Spouse)

$1,000/month with dividend reinvested throughout. Minimum 50 Shares in each holding. Goal: Increase holdings.

1st QTR

Off-sell and Rebalance for Dividends and increase holding amounts

2^nd QTR

Energy and Finance

3^rd QTR

Consumer Staples and Indexes

4th QTR

Portfolio Rebalance

Triggers of a good ROTH IRA plan:

Low Fees
Aggressive Mkt. growth of +20% per year
No Taxes on investments – Future:
1. Backdoor ROTH Conversion
Dividend Yield of 1% or More
Growth to Index Model

Estimated Segment Growth (with starting $70,000 at 20% average):

	After 5 Years	After 10 Years	After 15 Years
Addtl. Contributions	$60,000.00	$120,000.00	$ 180,000.00
Interest Growth	$ 141,398.04	$ 582,540.82	$ 1,769,544.41
Ending Total Amount	$ 271,398.04	$ 772,540.82	$ 2,019,544.41

Annual Contributions vs End Game

$8,333.33/month or the aspirational goal of $100,000 invested per year on average of +12% to +21%

Total Estimated Growth Across all Segments (with starting $340,000 at 20% average):

	After 5 Years	After 10 Years	After 15 Years
Addtl. Contributions	$410,000.00	$820,000.00	$ 1,230,000.00
Interest Growth	$ 470,414.14	$ 1,917,452.48	$ 4,845,227.13
Ending Total Amount	$ 1,170,374.14	$ 3,007,452.48	$ 6,955,227.13

Min Goal	$ 1,000,000.00	$ 2,500,000.00	$ 4,000,000.00

Bonus Segments

Health Savings Account, (Govt) Pension, and Passive Income

Net total annual contributions of $7,100 Annual for both HSAs with a 5% tax-free growth rate, close out estimated at $300,000 (min) in 15 years. Pension valued at +$36,000 per year or +$3,025 per month.

It’s all an estimate. Even if we only hit $3 Million. It’s still $3 Million. We can make it work.

Who knows what will happen tomorrow.

For my wife and I, it’s a challenging proposition but we still count our wins in the future businesses we help to create, the jobs they provide and the families that start to build wealth.