In this episode, Hayden and Dave dig into one of the most overlooked parts of the FI journey: what to do with your investments as you get closer to pulling the trigger. Does your strategy need to change? And if so, when and how?They cover:👉 Whether you actually need to de-risk your portfolio before retiring, or whether it's just a psychological thing👉 The difference between accumulation and drawdown, and why the same portfolio can feel very different depending on which phase you're in👉 Cash buffers, offset accounts and other ways to protect yourself from selling at the wrong time👉 How paying off debt fits into a pre-retirement strategy and what it does for your cash flow certainty👉 Growth ETFs vs. income ETFs: does the distinction actually matter when you're drawing down?👉 What Dave is doing with his own portfolioFree calculator here to work out your CGT with the new proposed changes.Follow us on InstagramWatch on YoutubeAsk a QuestionFI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookDave's books on Amazon and SpotifyDisclaimerAny advice is general and does not consider your financial situation needs, or objectives, so consider whether it’s appropriate for you. You should also consider seeking professional advice before making any financial decision.Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guide Hosted on Acast. See acast.com/privacy for more information.

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