Beginner question: brokerage vs robo-advisor?
Been investing for about 3 years now and still learning every day. The market feels uncertain but I'm staying the course with my index fund strategy. Would love to hear how others are handling things.
67 Comments
Have you stress tested this against a 40% drawdown?
The compounding at year 20+ is when it gets really wild.
This is the post I needed. Exactly my situation.
I ran the same numbers. You're on the right track.
This is the post I needed. Exactly my situation.
This is why I come to this community. Real numbers, real analysis.
Done similar analysis. Your numbers check out.
What catalyst are you watching for?
Counterpoint: what happens if rates stay elevated longer?
Appreciate the transparency here. Most people gatekeep this stuff.
Have you considered the tax implications of this approach?
Exactly. The sequence-of-returns issue is severely underappreciated.
How did this perform during the 2022 drawdown?
How long have you been doing this? Impressive numbers.
I was skeptical at first but this changed my mind.
Love the transparency. This community needs more of this.
This is the way.
This is exactly what I needed to read today.
The behavioral aspect of investing is so underrated.
Curious about the rebalancing approach. Annual or threshold-based?
Curious about the rebalancing approach. Annual or threshold-based?
This is a masterclass. Bookmarked.
I was skeptical at first but this changed my mind.
The international allocation debate never gets old.
Great post, thanks for sharing this.
How does this compare to just buying VTI and forgetting about it?
The math here is solid. This is what people miss.
How did this perform during the 2022 drawdown?
How long have you been doing this? Impressive numbers.
Good luck! Keep us updated.
Not financial advice but I'm doing the exact same thing.
Mind sharing your full allocation?
Interesting perspective. I see it differently — happy to elaborate.
Any thoughts on doing this in a taxable account?
How long have you been doing this? Impressive numbers.
I respectfully disagree. The data suggests otherwise.
Appreciate you sharing the L's too. Most people only post wins.
Exactly. The sequence-of-returns issue is severely underappreciated.
Have you considered the tax implications of this approach?
This is the post I needed. Exactly my situation.
This is the post I needed. Exactly my situation.
Real talk: most people can't stick to this when it gets hard.
Been saying this for years. Nice to see it laid out clearly.
Love the transparency. This community needs more of this.
Exactly. The sequence-of-returns issue is severely underappreciated.
Appreciate the transparency here. Most people gatekeep this stuff.
Appreciate the transparency here. Most people gatekeep this stuff.
Been saying this for years. Nice to see it laid out clearly.
Great post, thanks for sharing this.
Mind sharing your full allocation?
Love the transparency. This community needs more of this.
The behavioral aspect of investing is so underrated.
What brokerage are you using for this?
Have you considered the tax implications of this approach?
Done similar analysis. Your numbers check out.
I respectfully disagree. The data suggests otherwise.
The behavioral aspect of investing is so underrated.
The compounding at year 20+ is when it gets really wild.
This is essentially what a financial advisor charges $5k to tell you.
This is a masterclass. Bookmarked.
The math here is solid. This is what people miss.
I've been burned by this before. Your caution is warranted.
I've been burned by this before. Your caution is warranted.
How does this compare to just buying VTI and forgetting about it?
This is a solid framework. Saving this post.
How does this compare to just buying VTI and forgetting about it?
What's your target withdrawal rate in retirement?
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