Combined our finances — sharing the joint portfolio
Tech concentration reality check: I work at a tech company, own stock grants in tech, hold VOO (30% tech), and individual NVDA/MSFT. My financial life is incredibly correlated to tech.
93 Comments
Done similar analysis. Your numbers check out.
What brokerage are you using for this?
Love the transparency. This community needs more of this.
What's your thoughts on the downside risk here?
How long have you been doing this? Impressive numbers.
This is exactly what I needed to read today.
Been saying this for years. Nice to see it laid out clearly.
Appreciate the transparency here. Most people gatekeep this stuff.
This is exactly what I needed to read today.
This is a solid framework. Saving this post.
I've been thinking about this too. What's your time horizon?
Real talk: most people can't stick to this when it gets hard.
How did this perform during the 2022 drawdown?
Appreciate you sharing the L's too. Most people only post wins.
How did this perform during the 2022 drawdown?
Mind sharing your full allocation?
The compounding at year 20+ is when it gets really wild.
Have you stress tested this against a 40% drawdown?
How did this perform during the 2022 drawdown?
What brokerage are you using for this?
How did this perform during the 2022 drawdown?
Great post, thanks for sharing this.
The fee math always surprises people when you actually do it out.
This is the post I needed. Exactly my situation.
Good luck! Keep us updated.
Have you considered the tax implications of this approach?
I ran the same numbers. You're on the right track.
Not financial advice but I'm doing the exact same thing.
This is essentially what a financial advisor charges $5k to tell you.
What's your target withdrawal rate in retirement?
Have you considered the tax implications of this approach?
I ran the same numbers. You're on the right track.
How long have you been doing this? Impressive numbers.
Exactly. The sequence-of-returns issue is severely underappreciated.
I've been burned by this before. Your caution is warranted.
This is the post I needed. Exactly my situation.
This is the post I needed. Exactly my situation.
Been saying this for years. Nice to see it laid out clearly.
This is exactly what I needed to read today.
Been saying this for years. Nice to see it laid out clearly.
Have you considered the tax implications of this approach?
What brokerage are you using for this?
Have you stress tested this against a 40% drawdown?
The international allocation debate never gets old.
I've been thinking about this too. What's your time horizon?
How long have you been doing this? Impressive numbers.
Not financial advice but I'm doing the exact same thing.
The hardest part is just not touching it during a crash.
The behavioral aspect of investing is so underrated.
Interesting perspective. I see it differently — happy to elaborate.
This is the post I needed. Exactly my situation.
Have you modeled different interest rate scenarios?
This is a masterclass. Bookmarked.
Have you modeled different interest rate scenarios?
This is essentially what a financial advisor charges $5k to tell you.
The exit strategy is what most people don't think about.
What's your target withdrawal rate in retirement?
The fee math always surprises people when you actually do it out.
Been saying this for years. Nice to see it laid out clearly.
What's your target withdrawal rate in retirement?
The hardest part is just not touching it during a crash.
Appreciate you sharing the L's too. Most people only post wins.
The fee math always surprises people when you actually do it out.
Counterpoint: what happens if rates stay elevated longer?
Curious about the rebalancing approach. Annual or threshold-based?
Not financial advice but I'm doing the exact same thing.
Love the transparency. This community needs more of this.
What brokerage are you using for this?
Done similar analysis. Your numbers check out.
Counterpoint: what happens if rates stay elevated longer?
Appreciate the transparency here. Most people gatekeep this stuff.
What's your target withdrawal rate in retirement?
Not financial advice but I'm doing the exact same thing.
Done similar analysis. Your numbers check out.
Have you modeled different interest rate scenarios?
Done similar analysis. Your numbers check out.
What brokerage are you using for this?
Be careful about survivorship bias in this analysis.
Have you stress tested this against a 40% drawdown?
Counterpoint: what happens if rates stay elevated longer?
I respectfully disagree. The data suggests otherwise.
The math here is solid. This is what people miss.
How did this perform during the 2022 drawdown?
Mind sharing your full allocation?
Real talk: most people can't stick to this when it gets hard.
What catalyst are you watching for?
Done similar analysis. Your numbers check out.
Not financial advice but I'm doing the exact same thing.
The math here is solid. This is what people miss.
This is essentially what a financial advisor charges $5k to tell you.
The exit strategy is what most people don't think about.
How does this compare to just buying VTI and forgetting about it?
The psychology of money matters as much as the math.
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