Originally Posted by Unregistered

In 5 years time, you can sell your flat and buy a cheaper flat.
Let's say your flat will be worth $800k in 5 years time. After selling your flat and buying a $400k flat, you will have $400k cash. You can then buy more shares with the cash and your portfolio will be worth at least $1.6m. If you add $100k savings every year over the 5 years, then your portfolio will be worth $2.1m. If you get 5% dividend yield from your portfolio, your dividends will be $105k pa. If you can manage your expenses well below $100k pa, you can retire in 5 years time. Your bonds will your emergency fund.