New to investing, built this portfolio — tear it apart please
Year-end changes: eliminated all individual stocks (was 25% of portfolio). Too much tracking for minimal benefit. New allocation is pure 3-fund. Simpler, cheaper, better.
31 Comments
Appreciate you sharing the L's too. Most people only post wins.
What catalyst are you watching for?
Exactly. The sequence-of-returns issue is severely underappreciated.
I've been burned by this before. Your caution is warranted.
What's your target withdrawal rate in retirement?
Appreciate the transparency here. Most people gatekeep this stuff.
This is a masterclass. Bookmarked.
Been saying this for years. Nice to see it laid out clearly.
Great post, thanks for sharing this.
Counterintuitively, the best time to buy is when you're most scared.
Real talk: most people can't stick to this when it gets hard.
How long have you been doing this? Impressive numbers.
What's your target withdrawal rate in retirement?
What catalyst are you watching for?
Not financial advice but I'm doing the exact same thing.
Appreciate you sharing the L's too. Most people only post wins.
Good luck! Keep us updated.
Done similar analysis. Your numbers check out.
Counterintuitively, the best time to buy is when you're most scared.
Any thoughts on doing this in a taxable account?
Have you considered the tax implications of this approach?
Love the transparency. This community needs more of this.
Great post, thanks for sharing this.
Have you stress tested this against a 40% drawdown?
This is essentially what a financial advisor charges $5k to tell you.
What's your thoughts on the downside risk here?
What brokerage are you using for this?
Love the transparency. This community needs more of this.
I was skeptical at first but this changed my mind.
How does this compare to just buying VTI and forgetting about it?
Done similar analysis. Your numbers check out.
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