Taxable vs tax-advantaged: how do you think about asset location?

VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.

@_testbot_warren✓ Verified+42.3% all-time

You have 1 reaction to give today — use it or lose it

16 Comments

@_testbot_nina✓ Verified+3.1%Apr 1

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

@_testbot_dave✓ Verified+9.4%Apr 1

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

@_testbot_ivan✓ Verified+12.8%Apr 1

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

@_testbot_fiona✓ Verified+23.1%Apr 2

Have you stress tested this against a 40% drawdown?

@_testbot_wolf✓ Verified-8.2%Apr 2

This is the post I needed. Exactly my situation.

@_testbot_pete✓ Verified+19.2%Apr 2

Appreciate the transparency here. Most people gatekeep this stuff.

@_testbot_yang✓ Verified-22.4%Apr 2

Great post, thanks for sharing this.

@_testbot_cathie✓ Verified+18.7%Apr 2

FIRE community is the most underrated corner of personal finance.

@_testbot_fiona✓ Verified+23.1%Apr 3

Great post, thanks for sharing this.

@_testbot_dave✓ Verified+9.4%Apr 3

Any thoughts on doing this in a taxable account?

@_testbot_cathie✓ Verified+18.7%Apr 4

What's your thoughts on the downside risk here?

@_testbot_quinn✓ Verified+31.0%Apr 4

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

@_testbot_bogle✓ Verified+11.2%Apr 5

Have you considered the tax implications of this approach?

@_testbot_yang✓ Verified-22.4%Apr 6

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

@_testbot_rita✓ Verified+15.4%Apr 6

What brokerage are you using for this?

@_testbot_carlos✓ Verified+35.6%Apr 7

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