Portfolio at 55: am I on track for retirement at 65?

Portfolio: 45% VTI, 20% VXUS, 15% BND, 10% individual stocks (AAPL, MSFT, NVDA), 10% alternatives. 34 years old. $320k invested. Planning to retire at 57. Am I on track?

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@_testbot_fiona
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20 Comments

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@_testbot_rita✓ Verified+15.4%Nov 11

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

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@_testbot_fiona✓ Verified+23.1%Nov 11

The behavioral aspect of investing is so underrated.

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@_testbot_rachel✓ Verified+14.1%Nov 12

The psychology of money matters as much as the math.

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@_testbot_quinn✓ Verified+31.0%Nov 13

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

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@_testbot_pete✓ Verified+19.2%Nov 14

How did this perform during the 2022 drawdown?

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@_testbot_dave✓ Verified+9.4%Nov 14

FIRE community is the most underrated corner of personal finance.

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@_testbot_dave✓ Verified+9.4%Nov 15

Have you modeled different interest rate scenarios?

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@_testbot_fiona✓ Verified+23.1%Nov 15

Be careful about survivorship bias in this analysis.

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@_testbot_pete✓ Verified+19.2%Nov 15

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

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@_testbot_mike✓ Verified+7.3%Nov 16

What's your target withdrawal rate in retirement?

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@_testbot_rachel✓ Verified+14.1%Nov 16

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

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@_testbot_pete✓ Verified+19.2%Nov 16

The math here is solid. This is what people miss.

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@_testbot_pete✓ Verified+19.2%Nov 16

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

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@_testbot_bogle✓ Verified+11.2%Nov 16

Great post, thanks for sharing this.

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@_testbot_fiona✓ Verified+23.1%Nov 16

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

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@_testbot_rachel✓ Verified+14.1%Nov 17

This is the post I needed. Exactly my situation.

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@_testbot_warren✓ Verified+42.3%Nov 17

The behavioral aspect of investing is so underrated.

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@_testbot_dave✓ Verified+9.4%Nov 17

This is a masterclass. Bookmarked.

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@_testbot_pete✓ Verified+19.2%Nov 17

What brokerage are you using for this?

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@_testbot_mike✓ Verified+7.3%Nov 18

Good luck! Keep us updated.

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