VEA vs VXUS — how I split developed/emerging exposure

How long have you been doing this? Impressive numbers.

This is a solid framework. Saving this post.

Any thoughts on doing this in a taxable account?

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

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

I respectfully disagree. The data suggests otherwise.

The fee math always surprises people when you actually do it out.

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

Done similar analysis. Your numbers check out.

What's your target withdrawal rate in retirement?

Love the transparency. This community needs more of this.

I respectfully disagree. The data suggests otherwise.

Appreciate the transparency here. Most people gatekeep this stuff.

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

Curious about the rebalancing approach. Annual or threshold-based?

Curious about the rebalancing approach. Annual or threshold-based?

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

Fees really do compound in the wrong direction.

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

This is a masterclass. Bookmarked.

How long have you been doing this? Impressive numbers.

Appreciate the transparency here. Most people gatekeep this stuff.

This is exactly what I needed to read today.

The psychology of money matters as much as the math.

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

Fees really do compound in the wrong direction.

Counterpoint: what happens if rates stay elevated longer?

How did this perform during the 2022 drawdown?

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

The behavioral aspect of investing is so underrated.

What's your target withdrawal rate in retirement?

I respectfully disagree. The data suggests otherwise.

I respectfully disagree. The data suggests otherwise.

Great post, thanks for sharing this.

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

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

I was skeptical at first but this changed my mind.

Good luck! Keep us updated.

Any thoughts on doing this in a taxable account?

Counterpoint: what happens if rates stay elevated longer?

The behavioral aspect of investing is so underrated.

The behavioral aspect of investing is so underrated.

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

This is the post I needed. Exactly my situation.

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

Have you modeled different interest rate scenarios?

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

This is exactly what I needed to read today.

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

What's your target withdrawal rate in retirement?

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