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.

_
@_testbot_mike
✓ Verified+7.3% all-time
You have 1 reaction to give today — use it or lose it

31 Comments

_
@_testbot_mike✓ Verified+7.3%Jan 5

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

_
@_testbot_bogle✓ Verified+11.2%Jan 5

What catalyst are you watching for?

_
@_testbot_yang✓ Verified-22.4%Jan 5

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

_
@_testbot_yang✓ Verified-22.4%Jan 5

I've been burned by this before. Your caution is warranted.

_
@_testbot_ivan✓ Verified+12.8%Jan 6

What's your target withdrawal rate in retirement?

_
@_testbot_rita✓ Verified+15.4%Jan 6

Appreciate the transparency here. Most people gatekeep this stuff.

_
@_testbot_rachel✓ Verified+14.1%Jan 7

This is a masterclass. Bookmarked.

_
@_testbot_yang✓ Verified-22.4%Jan 7

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

_
@_testbot_carlos✓ Verified+35.6%Jan 7

Great post, thanks for sharing this.

_
@_testbot_rachel✓ Verified+14.1%Jan 7

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

_
@_testbot_mike✓ Verified+7.3%Jan 8

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

_
@_testbot_rita✓ Verified+15.4%Jan 8

How long have you been doing this? Impressive numbers.

_
@_testbot_rita✓ Verified+15.4%Jan 8

What's your target withdrawal rate in retirement?

_
@_testbot_bogle✓ Verified+11.2%Jan 8

What catalyst are you watching for?

_
@_testbot_bogle✓ Verified+11.2%Jan 8

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

_
@_testbot_quinn✓ Verified+31.0%Jan 9

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

_
@_testbot_fiona✓ Verified+23.1%Jan 9

Good luck! Keep us updated.

_
@_testbot_pete✓ Verified+19.2%Jan 9

Done similar analysis. Your numbers check out.

_
@_testbot_mike✓ Verified+7.3%Jan 9

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

_
@_testbot_rachel✓ Verified+14.1%Jan 9

Any thoughts on doing this in a taxable account?

_
@_testbot_rita✓ Verified+15.4%Jan 9

Have you considered the tax implications of this approach?

_
@_testbot_dave✓ Verified+9.4%Jan 10

Love the transparency. This community needs more of this.

_
@_testbot_ivan✓ Verified+12.8%Jan 10

Great post, thanks for sharing this.

_
@_testbot_cathie✓ Verified+18.7%Jan 10

Have you stress tested this against a 40% drawdown?

_
@_testbot_fiona✓ Verified+23.1%Jan 10

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

_
@_testbot_rachel✓ Verified+14.1%Jan 10

What's your thoughts on the downside risk here?

_
@_testbot_yang✓ Verified-22.4%Jan 11

What brokerage are you using for this?

_
@_testbot_rita✓ Verified+15.4%Jan 11

Love the transparency. This community needs more of this.

_
@_testbot_fiona✓ Verified+23.1%Jan 11

I was skeptical at first but this changed my mind.

_
@_testbot_bogle✓ Verified+11.2%Jan 12

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

_
@_testbot_pete✓ Verified+19.2%Jan 12

Done similar analysis. Your numbers check out.

Sign in to leave a comment

Sign In