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- 5 milioni sono sufficienti per andare in pensione?<\/li>\n\n\n\n
- Is it possible to become a millionaire without money or connections?<\/li>\n\n\n\n
- What celebrities have you encountered that were either really nice or really horrible?<\/li>\n\n\n\n
- How easy is it to start your own business in the UK if you’re not from there?<\/li>\n<\/ul>\n\n\n\n
Se volete che risponda a qualche domanda su Quora o YouTube, o se state cercando di investire, non esitate a contattatemi<\/a>, e-mail (advice@adamfayed.com) o utilizzare la funzione WhatsApp qui sotto.<\/p>\n\n\n\n
Alcuni dei link e dei video a cui si fa riferimento potrebbero essere disponibili solo nelle risposte originali. <\/p>\n\n\n\n
Fonte di tutte le risposte: la pagina Quora di Adam Fayed.<\/p>\n\n\n\n
In this article, we will explore various strategie di investimento<\/a> to secure your retirement.<\/p>\n\n\n\n
5 milioni sono sufficienti per andare in pensione?<\/strong><\/h2>\n\n\n\n
Most people assume so, and think they will be living in a place like this with no worries:<\/p>\n\n\n\n
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Often this isn’t the case.<\/p>\n\n\n\n
That is one reason there are so many broke former lottery winners and professional athletes.<\/p>\n\n\n\n
Whether $5m is enough depends on<\/strong><\/p>\n\n\n\n
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- Where you live as this impacts taxes<\/li>\n\n\n\n
- Your lifestyle and how much you withdraw on a yearly basis.<\/li>\n\n\n\n
- What you invest in<\/li>\n<\/ul>\n\n\n\n
The last thing is key.<\/p>\n\n\n\n
If you keep millions in cash, that will work out if you only have a few years to live.<\/p>\n\n\n\n
Over decades, it likely won\u2019t, due to inflation and currency collapses.<\/p>\n\n\n\n
There are many former USD multi-millionaires in places such as Argentina, Venezuela and even probably Ghana now after the recent decade of depreciation.<\/p>\n\n\n\n
What is more, if you have $5m in a house and pensions, it isn\u2019t liquid.<\/p>\n\n\n\n
There are many asset-rich, cash-poor people, and those known as \u2018house poor\u2019 – often widowed old ladies who are struggling in big homes.<\/p>\n\n\n\n
There are also many people who have $5m business valuations but they never find a buyer.<\/p>\n\n\n\n
$5m will work for most people if it is in relatively safe, liquid, dividend-producing assets, and your lifestyle isn\u2019t crazy.<\/p>\n\n\n\n
Most studies show you can withdraw 3%-4% per year safely, if you are invested in the right areas.<\/p>\n\n\n\n
That is 150k-250k on $5m and you can increase it in line with inflation .<\/p>\n\n\n\n
Yes there are ways to make much higher dividends and profits but often by taking bigger risks.<\/p>\n\n\n\n
A safe\/cautious portfolio will often yield 2% or so above inflation per year, on average, which makes withdrawing 3%-4% sustainable for most people.<\/p>\n\n\n\n
If you are sensible and don\u2019t assume that you can’t possibly run out of cash, then $5m should be more than enough for most people.<\/p>\n\n\n\n
Those who get caught out will be reckless or keep too much in cash.<\/p>\n\n\n\n
<\/a><\/p>\n\n\n\n
Is it possible to become a millionaire without money or connections?<\/strong><\/h2>\n\n\n\n
I presume you mean is it possible to become a millionaire without money and connections right now.<\/p>\n\n\n\n
Of course becoming a millionaire is about having more than a million Pound, Euro or USD in assets, which is about money.<\/p>\n\n\n\n
In any case, most of the world\u2019s millionaires and multi-millionaires started off poor or middle-class.<\/p>\n\n\n\n
Part of the reason for that is there aren\u2019t many inherited wealthy people in the world compared to those who start off poor or middle, and plenty of the inherited wealthy blow the money.<\/p>\n\n\n\n
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Most of the multi-millionaires I have encountered started with zero, and instead started businesses and\/or invested for the long-term.<\/p>\n\n\n\n
It is estimated that 14% of the world\u2019s millionaires are teachers, and middle managers and accountants are also quite common job types to become wealthy over time.<\/p>\n\n\n\n
The key thing is starting young enough so you can compound:<\/p>\n\n\n\n
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What is much more difficult is to become seriously wealthy, and not just end up with a few million in retirement.<\/p>\n\n\n\n
Getting to say $10\u201320m+ in addition to a private business which is generating 300k-500k in passive income per year or more.<\/p>\n\n\n\n
For that, starting earlier obviously helps, so you have time to build a good business, after getting some experience in the field.<\/p>\n\n\n\n
However, sensible risk-taking and a bit of luck is also needed. If Facebook (or most big firms) would have been started two or three years before or after it established, it probably wouldn\u2019t have blown up.<\/p>\n\n\n\n
Even somebody like Buffett wouldn\u2019t be what he is if he wasn\u2019t born in a developed country and didn\u2019t live so long to compound:<\/p>\n\n\n\n
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He admitted himself that he also wouldn\u2019t have been wealthy had he been born hundreds of years ago, when physical strength was more important.<\/p>\n\n\n\n
You do make your own luck up to a point though, through persistence, hard work, resilience etc.<\/p>\n\n\n\n
<\/a><\/p>\n\n\n\n
What celebrities have you encountered that were either really nice or really horrible?<\/strong><\/h2>\n\n\n\n
Depends how you define a celebrity.<\/p>\n\n\n\n
In the early 2000s, I met Dwight Yorke, who was big at the time in the uk:<\/p>\n\n\n\n
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He was pretty nice but I met him in the stands – interestingly he was in the Aston Villa end with no security.<\/p>\n\n\n\n
Aston Villa was his former club as well.<\/p>\n\n\n\n
If you think about it, somebody who doesn\u2019t want to mingle won\u2019t just randomly come into the opposition fans area.<\/p>\n\n\n\n
When I interviewed Kevin O\u2019Leary over a year ago, he was nicer off the screen on our one-on-one talk, compared to on screen, which is a good sign.<\/p>\n\n\n\n
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Most people are the opposite.<\/p>\n\n\n\n
The people I have had the worst experience with are people in academia or politics.<\/p>\n\n\n\n
Anneliese Dodds is a senior Labour Party politician, who was briefly the shadow chancellor (the opposition finance minister)<\/p>\n\n\n\n
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She used to teach at my old university.<\/p>\n\n\n\n
Didn\u2019t come across as a bad person, but had radically different opinions before she came into politics versus today.<\/p>\n\n\n\n
An example of this was when the then Bank of England Monetary Policy member Adam Posen came to visit.<\/p>\n\n\n\n
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He himself is amiable when people agree with him but not so much when challenged, but that is a point for another day.<\/p>\n\n\n\n
Anyway, after the event there was a question and answer session.<\/p>\n\n\n\n
She raised her hand to say \u2018aren\u2019t homes just mainly owned by older and richer people anyway\u2019- more of a statement than a question.<\/p>\n\n\n\n
Quite typical of her political outlook at that point – quite socialist.<\/p>\n\n\n\n
Fair enough if that is her view, but you can imagine my shock at seeing her paint herself as a moderate since going into politics.<\/p>\n\n\n\n
Adapting and knowing when you were previously wrong is good provided you are transparent about it.<\/p>\n\n\n\n
However, I doubt she has changed her views that much as she was well into her 30s when I met her.<\/p>\n\n\n\n
Somebody having a bad mood is one thing – I think we would all get fed up with people asking for our autographs all day in the case of sports and entertainment celebrities and we have all lashed out.<\/p>\n\n\n\n
Cynical moves are quite different. She briefly showed her real beliefs when she first ran at the time I met qui.<\/a><\/p>\n\n\n\n
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