Target date fund vs DIY asset allocation at 60

Good luck! Keep us updated.

This is essentially what a financial advisor charges $5k to tell you.

Fees really do compound in the wrong direction.

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

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

Counterpoint: what happens if rates stay elevated longer?

Have you stress tested this against a 40% drawdown?

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

What brokerage are you using for this?

Have you considered the tax implications of this approach?

Appreciate you sharing the L's too. Most people only post wins.

How did this perform during the 2022 drawdown?

What brokerage are you using for this?

The hardest part is just not touching it during a crash.

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

Have you considered the tax implications of this approach?

Counterpoint: what happens if rates stay elevated longer?

This is either genius or the most expensive lesson of your life.

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

How long have you been doing this? Impressive numbers.

Have you considered the tax implications of this approach?

Any thoughts on doing this in a taxable account?

How did this perform during the 2022 drawdown?

What brokerage are you using for this?

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

Appreciate you sharing the L's too. Most people only post wins.

How long have you been doing this? Impressive numbers.

Curious about the rebalancing approach. Annual or threshold-based?

What catalyst are you watching for?

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

This is exactly what I needed to read today.

Be careful about survivorship bias in this analysis.

Good luck! Keep us updated.

I ran the same numbers. You're on the right track.

Counterintuitively, the best time to buy is when you're most scared.

Counterpoint: what happens if rates stay elevated longer?

Interesting perspective. I see it differently — happy to elaborate.

Fees really do compound in the wrong direction.

This is why I come to this community. Real numbers, real analysis.

Fees really do compound in the wrong direction.

This is a masterclass. Bookmarked.

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

I respectfully disagree. The data suggests otherwise.

This is the post I needed. Exactly my situation.

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

Mind sharing your full allocation?

What catalyst are you watching for?

This is either genius or the most expensive lesson of your life.

Real talk: most people can't stick to this when it gets hard.

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

This is the way.

What's your thoughts on the downside risk here?

This is exactly what I needed to read today.

Love the transparency. This community needs more of this.

Any thoughts on doing this in a taxable account?

Appreciate you sharing the L's too. Most people only post wins.

This is exactly what I needed to read today.

What brokerage are you using for this?

Exactly. The sequence-of-returns issue is severely underappreciated.

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

The behavioral aspect of investing is so underrated.

This is why I come to this community. Real numbers, real analysis.

This is essentially what a financial advisor charges $5k to tell you.

Exactly. The sequence-of-returns issue is severely underappreciated.

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

This is a masterclass. Bookmarked.

The psychology of money matters as much as the math.

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

The psychology of money matters as much as the math.

How does this compare to just buying VTI and forgetting about it?

The psychology of money matters as much as the math.

I respectfully disagree. The data suggests otherwise.

Fees really do compound in the wrong direction.

What brokerage are you using for this?

Fees really do compound in the wrong direction.

Curious about the rebalancing approach. Annual or threshold-based?

Done similar analysis. Your numbers check out.

This is either genius or the most expensive lesson of your life.

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

Have you considered the tax implications of this approach?

Have you stress tested this against a 40% drawdown?

Exactly. The sequence-of-returns issue is severely underappreciated.

This is the way.

I've been thinking about this too. What's your time horizon?

Done similar analysis. Your numbers check out.

What's your target withdrawal rate in retirement?

What's your target withdrawal rate in retirement?

Exactly. The sequence-of-returns issue is severely underappreciated.

Appreciate you sharing the L's too. Most people only post wins.