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How much do I need to retire?

first_imgHow much do I need to retire? Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Our 6 ‘Best Buys Now’ Shares Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Image source: Getty Images “This Stock Could Be Like Buying Amazon in 1997” Jonathan Smith and The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Simply click below to discover how you can take advantage of this.center_img Jonathan Smith | Wednesday, 15th January, 2020 It is time to pull out the calculator and take a sit down to run through some numbers. When we break things down, how much do you really need to be able to retire, and what investment tools and tips can help you along the way?When trying to answer any such questions, I do need to make some quick disclaimers. Everyone is different in their own financial goals and the specific circumstances that they need to take into account. My thoughts below are meant for an average person, but you may be far from average, so take that into account.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…IncomeLet’s start by taking a look at what you need actively coming in money-wise in order to not have to work. On average, a UK salary works out to roughly £30,000 per year. This is also a fair estimation of what you would need to have coming in to live as you did before retiring.How are you going to generate this income? Well if you don’t want to work (which is the general concept of retirement, after all) you will need passive income. One good way to generate that is through interest, dividends or coupons. Using one of the best easy access savings account rates of 1.25%, you would need to have £2.4m in an account to generate the needed £30k interest. If you invested in a stock such as Taylor Wimpey, which currently offers a yield of around 9%, you would need to much smaller amount of £333,333. You need to watch out for fluctuations in the share price, which may erode your capital, as well as any potential dividend reductions, but this example gives you a good figure to work towards.InvestmentsSo far we have established that in order to generate enough income for day to day expenses, we need somewhere between £333k and £2.4m in our retirement pot. But what about retirement funds for large expenses, such as buying a holiday home, a new car or gifting money to family?For that, we need to add in investments that do not necessarily provide income, but that have the potential to offer strong growth. If you need £25,000 a year to cover large expenses, how much would you need to have invested?To illustrate, consider the HSBC FTSE 100 index tracker fund, which has risen 40% over the past five years by following the FTSE 100 index. If we think of that as 10% per year, then with an original investment of £250,ooo, we could have taken £25,000 in profit out of the fund each year. If we invested in successful growth stocks instead (such as JD Sports, which returned almost 800% in five years), then we would need less to start with. However, if we chose stocks that didn’t perform as well, we would need a larger initial investment.In conclusion, to generate income of around £30k per year and an additional £25 a year for larger expenses, you need a total pool of around £800,000 as long as it is invested in high dividend yield stocks and index trackers. If you keep your money in cash, you’d need much, much more. Depending on market movements, this could be higher or lower going forward, but it does show you how smart investing can make life easier. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Enter Your Email Address I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. See all posts by Jonathan Smithlast_img read more

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STORIES IN STITCHES: Pioneer Museum of Alabama hosts annual quilt show

first_img Email the author Remember America’s heroes on Memorial Day Troy falls to No. 13 Clemson Book Nook to reopen By The Penny Hoarder Around the WebIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier LivingMd: Do This Immediately if You Have Diabetes (Watch)Blood Sugar BlasterHave an Enlarged Prostate? Urologist Reveals: Do This Immediately (Watch)Healthier LivingWomen Only: Stretch This Muscle to Stop Bladder Leakage (Watch)Healthier LivingRemoving Moles & Skin Tags Has Never Been This EasyEssential HealthGet Fortnite SkinsTCGThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancel Pike County Sheriff’s Office offering community child ID kits By Jaine Treadwell Latest Stories Pioneer Museum of Alabama hosts annual quilt show.No matter when a quilt was made or by whom, it has a story. When the Pioneer Museum of Alabama Quilt Show opens on Wednesday there will be more than 100 stories to share.Kari Barley, museum director, said the biennial show will feature 100 quilts that date as far back as 1775 and as recently as yesterday and, yes, each has a story to tell.“The kind of fabric, the pattern, the way it was stitched, the batting, even how the quilt was backed all tell a story,” she said. Skip Plans underway for historic Pike County celebration Barley said the variety of the quilts on display makes the show especially interesting and exciting. “We have quilts that have been handed down for several generations, some that are brand new and all in between. There are quilts with animal motifs and some with Christmas designs. We have many different patterns and many of them like Granma’s Rose Garden, Log Cabin and Double Wedding Ring are generally familiar. We have pieced quilts, string quilts and crazy quilts.”Barley is among those who are crazy about quilts.“I’m crazy about crazy quilts,” she said. “They are often made of the finest materials and with decorative stitches. The crazy quilts were often put on the couch as a way of showing off.”Showing off with quilts?Loretta Simmons knows noting about showing off with quilts.For her and her family quilts were functional.Simmons is one of the many who have loaned quilts to the Pioneer Museum of Alabama for its 2017 Quilt Show.“I was my mother’s helper when I was little and she taught me what I know about quilting,” Simmons said. “She made quilts out of our the family’s old clothes, scraps of material and out of feed sacks. We lived in this big, old house that was heated with a wood heater. It took a lot of quilts to keep us warm.”As for patterns, Simmons said her mother’s quilts were string quilts or pieced quilts. She used cotton for the batting or wadding.“I remember that my mother sometimes used cotton that had the seeds in it for the batting,” Simmons said. “Her quilt frame was set up on straight-back chairs in my brother’s room. She would roll the quilt back so he could get in bed.”When warm weather finally came, Simmons said the quilts would be placed between the mattresses and out of the way until Old Man Winter made his first appearance in the fall.Simmons said she appreciates the opportunity to display the quilts that are a part of her family’s heritage and to get to see the other “stories” on display.Admission to the museum is $10 for adults, $9 for seniors 60 and over, $8 for ages six through college. Ages five and under are free.  Barley said quilting is a part of America’s heritage and quilts were original functional.“Quilts were used primarily as bedcovers to keep people warm,” she said. “They were often used over windows and around doors to keep the cold and wind out. Quilts were used as play pallets for the children while their parents worked in the fields and they were prized items in hope chests and often used as burial wraps.”Most of the early quilts were made from scrap materials and each piece of the quilt chronicled the family’s history. Print Article Sponsored Content You Might Like POSTCARDS HOME: New exhibit on display at Troy University Library Historic postcards on display in the exibit include images from Montgomery and Eufaula, among others. Wade Hall’s extensive collection is… read more STORIES IN STITCHES: Pioneer Museum of Alabama hosts annual quilt show Published 3:00 am Saturday, February 11, 2017 “The quilts we have in the show were either made by people in the county or handed down through generations,” Barley said. “The oldest quilt in the show is a feather quilt and is part of the museum’s heritage quilt collection. The story of this quilt is that it was brought to Pike County from South Carolina around 1820. It was created by the grandmother of Sam Passmore, who, I suppose, was a local resident.”Barley said a tag to the quilt’s story is that, in 1832, the Passmore family stood and watched as the Native Americans were being driven westward.The museum’s heritage quilt collection is displayed year around and is a feature of the biennial quilt show. “But most of the quilts in the show are on loan from people throughout the county,” Barley said. “The many different styles, patterns and colors bring the museum to life. The quilts add a whole different dimension to the museum and enhance many of the other exhibits.” The Penny Hoarder Issues “Urgent” Alert: 6 Companies…last_img read more

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