About this source
Ben Felix, CIO of PWL Capital, explains why fixed savings and withdrawal rules break down in practice, why home country bias is rational within limits, and how to plan retirement around a 'good life' rather than a number.
Frameworks extracted
7 totalSELFongoing
Health-Wealth Compounding Parallel
Apply long-term-investing discipline to health: tiny inputs, compounded, decide late-life outcomes
FINongoing
Simple Disciplined Index Investing
Low-cost, globally diversified, and held — the boring playbook that wins
FINweeks
Reflective Questions for Funding a Good Life
Use structured reflection to plan retirement around happiness, not just a number
FINmonths
Lifetime Consumption Smoothing
Vary your savings rate by life stage to optimise lifetime, not annual, spending
FINongoing
Repeatable vs Non-Repeatable Returns
Decompose past returns to set realistic forward expectations
FINongoing
Bounded Home Country Bias
Tilt 10-30% to your home market for cost, tax, and geopolitical resilience
FINongoing
Variable Spending Plan
Replace fixed withdrawal rates with course-corrected, lifestyle-aware retirement spending