The case for international diversification in 2026

Great post, thanks for sharing this.

I respectfully disagree. The data suggests otherwise.

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

The compounding at year 20+ is when it gets really wild.

This is exactly what I needed to read today.

This is the way.

This is the way.

Good luck! Keep us updated.

This is the way.

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

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

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

I respectfully disagree. The data suggests otherwise.

Fees really do compound in the wrong direction.

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

Have you considered the tax implications of this approach?

This is a solid framework. Saving this post.

Good luck! Keep us updated.

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

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

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

Mind sharing your full allocation?

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

Love the transparency. This community needs more of this.

This is either genius or the most expensive lesson of your life.

Love the transparency. This community needs more of this.

Have you modeled different interest rate scenarios?

This is a solid framework. Saving this post.

What's your target withdrawal rate in retirement?

Done similar analysis. Your numbers check out.

I was skeptical at first but this changed my mind.

Interesting perspective. I see it differently — happy to elaborate.

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

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