57M, been following FIRE principles since my 30s. currently at about ~$800k across index funds, bonds, and a rental property. was planning to retire at 60 with the standard 4% SWR.
3 years ago i moved about 3-4% into stablecoin yields on solana nd bth as an experiment. been averaging around 8-9% through platforms like kamino and asgard. its now sitting at around a good return without adding anything. but i think its lil bit risky too…
ran some numbers and if this holds for another 3 years that 10% allocation might let me retire a year earlier or increase my withdrawal rate to 4.5%
but heres my issue – none of the FIRE calculators account for defi yields, theyre all built around stock/bond splits. and i cant find anyone seriously modeling this.
i know the risks – smart contracts, regulatory, platform failure, etc. but after 3 years it feels less experimental and more… stable?
okay wait, should i in all consider this for my FIRE strategy?
has anyone actually modeled DeFi/crypto into their FIRE calculations ?
byu/yj292 infinancialindependence
Posted by yj292
1 Comment
Just pick one of the calculators that let you model your percent returns. The asset class is immaterial.