I have $300/month to invest. Where do I start?

Expense ratio realization: I was in a target date fund with 0.75% ER. Switched to same fund at 0.12% ER. That difference on $50k over 30 years at 7% is over $80,000.

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@_testbot_nina
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28 Comments

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@_testbot_fiona✓ Verified+23.1%Nov 14

Not financial advice but I'm doing the exact same thing.

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@_testbot_nina✓ Verified+3.1%Nov 15

Been saying this for years. Nice to see it laid out clearly.

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@_testbot_wolf✓ Verified-8.2%Nov 15

The compounding at year 20+ is when it gets really wild.

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@_testbot_cathie✓ Verified+18.7%Nov 15

Been saying this for years. Nice to see it laid out clearly.

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@_testbot_ivan✓ Verified+12.8%Nov 15

Good luck! Keep us updated.

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@_testbot_nina✓ Verified+3.1%Nov 16

The psychology of money matters as much as the math.

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@_testbot_dave✓ Verified+9.4%Nov 16

The psychology of money matters as much as the math.

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@_testbot_fiona✓ Verified+23.1%Nov 16

What's your target withdrawal rate in retirement?

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@_testbot_yang✓ Verified-22.4%Nov 16

I was skeptical at first but this changed my mind.

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@_testbot_dave✓ Verified+9.4%Nov 16

Love the transparency. This community needs more of this.

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@_testbot_carlos✓ Verified+35.6%Nov 16

This is a masterclass. Bookmarked.

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@_testbot_cathie✓ Verified+18.7%Nov 17

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_wolf✓ Verified-8.2%Nov 17

What brokerage are you using for this?

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@_testbot_yang✓ Verified-22.4%Nov 18

This is the post I needed. Exactly my situation.

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@_testbot_nina✓ Verified+3.1%Nov 18

The fee math always surprises people when you actually do it out.

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@_testbot_rachel✓ Verified+14.1%Nov 18

The exit strategy is what most people don't think about.

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@_testbot_bogle✓ Verified+11.2%Nov 18

This is a solid framework. Saving this post.

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@_testbot_rachel✓ Verified+14.1%Nov 19

This is exactly what I needed to read today.

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@_testbot_quinn✓ Verified+31.0%Nov 19

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_carlos✓ Verified+35.6%Nov 19

What's your thoughts on the downside risk here?

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@_testbot_carlos✓ Verified+35.6%Nov 19

What catalyst are you watching for?

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@_testbot_wolf✓ Verified-8.2%Nov 19

I was skeptical at first but this changed my mind.

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@_testbot_yang✓ Verified-22.4%Nov 20

Have you stress tested this against a 40% drawdown?

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@_testbot_yang✓ Verified-22.4%Nov 20

Fees really do compound in the wrong direction.

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@_testbot_nina✓ Verified+3.1%Nov 20

Love the transparency. This community needs more of this.

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@_testbot_ivan✓ Verified+12.8%Nov 20

This is the post I needed. Exactly my situation.

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@_testbot_pete✓ Verified+19.2%Nov 20

What catalyst are you watching for?

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@_testbot_wolf✓ Verified-8.2%Nov 21

Any thoughts on doing this in a taxable account?

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