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How much one needs to save in retirement portfolio to retire comfortably in early sixties age

Wondering as how much one needs to save in retirement portfolio to retire comfortably starting with one's early sixties (say at 62 age) for next 25-30 years of joint longevity and be lucky enough to survive  extreme uncertain period such as 2000-2010 lost decade (with two major crashes resulting in virtually zero compounding )?  Needless to say, it all depends on household's ongoing expenses during retirement.  If one retires at 62, one can collect reduced social security pension (say 75% of full 67 age benefit). Non-working spouse can also collect half amount as spousal benefit at 62. Combined household reduced  benefit could be around 25K to 30K a year for professional workers like us. If household's annual expenses, including medicare/affordable-care health insurance co-premiums/copays (typically 5-6K annually for retired household for routine care) are in 60K range, then perhaps one needs additional income of 30K to 35K beyond social security pension. If one ha...
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SPDR® S&P Semiconductor ETF (XSD) - Excellent small cap semiconductor index fund

Recently I came across another *semiconductor* focused low cost index ETF which seems quite promising index. It's called SPDR S&P Semiconductor ETF ( *XSD*). Unlike iShares Semiconductor ETF SOXX ( https://financial-well-being.blogspot.com/2022/01/iShares-Semiconductor-ETF-SOXX-Passive-Semiconductor-technology-index.html ), which focuses primarily in *large* cap, XSD focuses into *small and mid* cap semiconductor companies of S&P Total index. It's *equal weighted* index and that's why it's average capitalization is in mid and small cap.Overall it's comparable or *even better* than SOXX. For example... - It's PE is comparable to that of SOXX - Dividend yield plus earnings growth of 16% as compared to lower 13% for SOXX - It's 3/5 year returns of 23/22% is 20% better than that of SOXX's 19/18%. It tracks *semiconductor small cap* sector which has been one of the top performer in technology sector with close to *20% annual return* for last 5, 10 an...
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iShares MSCI India Small-Cap ETF (SMIN) - Top performing Emerging Asia Pacific index fund ETF

Going forward I am thinking to add an *Emerging* Asia Pacific market ETF called iShares MSCI India Small-Cap ETF ( *SMIN* ). It's *top performer* for last 3 and 5 years period with annual returns of 22% and 13% for this emerging market segment. With 22% long-term *earning growth* projections, it's expected to produce top long-term return. As *country specific* fund, it's certainly concentrated and is more expensive (0.75% expense ratio). However, unlike other top performer ETFs, it's focus is not specific to any hot speculative industry. Also, it's capitalization falls into *mid* cap (borderline large cap) range, making it less aggressive than typical small cap etf. It's P/E of 22 is 10% higher than typical India equity fund. However, it's long term earnings growth projection of 22% is 30% more than it's category. So it's total return potential is still way (20-30%) higher than typical India equity fund. I am planning to build more position into it...
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