Hello, I have two questions please:
1- What do you think about investing in social responsible ETFs/ index funds? Would that decrease the average rate of return? for e.g: Vanguard’s FTSE Social Index (VFTSX), or the Vegan ETF
2- How soon would you recommend withdrawing from my investment? and at what rate? I read something about a safe withdrawal rate- could you please explain what that means and how it is calculated?