The Road to FIRE - Building the ISA Bridge to 58 and finding the Apex

At 43, the retirement picture is quickly coming into focus and becoming less about accumulating an enormous pension and more about solving one specific problem: Build enough accessible capital to stop work sooner, before 58, then use that capital to bridge the gap until the pension becomes available. Definitions ISA Apex I am coining the phrase the ISA apex. The point when accumulation stops and drawdown begins, having built enough capital to then withdraw sustainably from the commencement to a future target date. Real Returns Assuming the market returns an 8% annual return on average over the long term, we use real returns to note that we have adjusted this down for inflation and fees, by doing this we can continue to use the values in today’s terms - as such our buying power remains and our brains can cope with an array of numbers we can understand today. FIRE Financial Independence Retire Early, is the term, but in this context the FIRE date is the point at which I can push send on…