If your investments are worth anywhere between 5-10 years of your current annual expenses for your basic needs (without including your desire to travel to South America or buy a bigger house), or if you are well on your way towards your other financial goals, then you may consider yourself financially secure. You are not financially independent yet – as in you still need to keep working for money – but you feel quite capable of handling major life goals if you continue on your current path. Just make sure not to make major mistakes at this stage like buying a large house that you can barely afford, by liquidating most of the wealth that you have built so far. Do remember to invest regularly, stick to your asset allocation, and rebalance periodically.
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