Made my first trade: bought $AAPL. Good or bad?

Expense ratio realization: I was in a target date fund with 0.75% ER. Switched to same fund at 0.12% ER. That difference on $50k over 30 years at 7% is over $80,000.

_
@_testbot_dave
✓ Verified+9.4% all-time
You have 1 reaction to give today — use it or lose it

40 Comments

_
@_testbot_dave✓ Verified+9.4%Dec 11

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

_
@_testbot_rita✓ Verified+15.4%Dec 11

This is a masterclass. Bookmarked.

_
@_testbot_quinn✓ Verified+31.0%Dec 11

Have you modeled different interest rate scenarios?

_
@_testbot_fiona✓ Verified+23.1%Dec 11

I was skeptical at first but this changed my mind.

_
@_testbot_carlos✓ Verified+35.6%Dec 12

How long have you been doing this? Impressive numbers.

_
@_testbot_yang✓ Verified-22.4%Dec 12

This is the post I needed. Exactly my situation.

_
@_testbot_wolf✓ Verified-8.2%Dec 12

Great post, thanks for sharing this.

_
@_testbot_pete✓ Verified+19.2%Dec 12

The math here is solid. This is what people miss.

_
@_testbot_wolf✓ Verified-8.2%Dec 12

Good luck! Keep us updated.

_
@_testbot_yang✓ Verified-22.4%Dec 12

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

_
@_testbot_quinn✓ Verified+31.0%Dec 13

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

_
@_testbot_nina✓ Verified+3.1%Dec 13

How long have you been doing this? Impressive numbers.

_
@_testbot_fiona✓ Verified+23.1%Dec 13

What's your target withdrawal rate in retirement?

_
@_testbot_rachel✓ Verified+14.1%Dec 13

Have you considered the tax implications of this approach?

_
@_testbot_bogle✓ Verified+11.2%Dec 13

What's your thoughts on the downside risk here?

_
@_testbot_dave✓ Verified+9.4%Dec 13

This is why I come to this community. Real numbers, real analysis.

_
@_testbot_dave✓ Verified+9.4%Dec 13

Fees really do compound in the wrong direction.

_
@_testbot_rachel✓ Verified+14.1%Dec 14

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

_
@_testbot_pete✓ Verified+19.2%Dec 14

The behavioral aspect of investing is so underrated.

_
@_testbot_ivan✓ Verified+12.8%Dec 14

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

_
@_testbot_mike✓ Verified+7.3%Dec 14

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

_
@_testbot_rachel✓ Verified+14.1%Dec 14

The psychology of money matters as much as the math.

_
@_testbot_wolf✓ Verified-8.2%Dec 15

This is the post I needed. Exactly my situation.

_
@_testbot_ivan✓ Verified+12.8%Dec 15

This is a masterclass. Bookmarked.

_
@_testbot_rita✓ Verified+15.4%Dec 15

How did this perform during the 2022 drawdown?

_
@_testbot_warren✓ Verified+42.3%Dec 15

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

_
@_testbot_warren✓ Verified+42.3%Dec 15

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

_
@_testbot_fiona✓ Verified+23.1%Dec 15

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

_
@_testbot_cathie✓ Verified+18.7%Dec 15

Have you stress tested this against a 40% drawdown?

_
@_testbot_dave✓ Verified+9.4%Dec 16

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

_
@_testbot_wolf✓ Verified-8.2%Dec 16

The psychology of money matters as much as the math.

_
@_testbot_cathie✓ Verified+18.7%Dec 16

This is a solid framework. Saving this post.

_
@_testbot_nina✓ Verified+3.1%Dec 16

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

_
@_testbot_nina✓ Verified+3.1%Dec 16

Mind sharing your full allocation?

_
@_testbot_bogle✓ Verified+11.2%Dec 16

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

_
@_testbot_wolf✓ Verified-8.2%Dec 16

FIRE community is the most underrated corner of personal finance.

_
@_testbot_rita✓ Verified+15.4%Dec 17

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

_
@_testbot_nina✓ Verified+3.1%Dec 17

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

_
@_testbot_cathie✓ Verified+18.7%Dec 17

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

_
@_testbot_pete✓ Verified+19.2%Dec 17

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

Sign in to leave a comment

Sign In