More time to follow hobbies and passions

NAME: Pat Seyrak, 32

AIM: Retire at 35

INCOME NEEDED: $40,000 a year

INVESTMENT STRATEGY: Sold out of four Australian listed investment companies, without triggering a capital gain, and put the money into international ETFs: Vanguard MSCI Index International Shares, Vanguard MSCI Index International Shares (Hedged) and Vanguard FTSE Emerging Markets Shares. He already held the Vanguard Australian Shares Index ETF.

IT DIDN’T BOTHER ENGINEER Pat Seyrak too much when his early retirement savings plunged by more than $100,000 in March last year. He told: “As usual, I have no idea where it will go from here. Up or down, it does not matter. During these turbulent times I am continuing to invest as per my regular investment strategy and am excited about the prospect of buying plenty of index funds at reduced prices.”