RMD planning: strategies I'm using before 73
Bond tent strategy: overweight bonds at retirement, then gradually reduce as you age. Counter-intuitive but addresses sequence of returns risk in the early years.
64 Comments
The fee math always surprises people when you actually do it out.
The behavioral aspect of investing is so underrated.
This is a masterclass. Bookmarked.
Appreciate the transparency here. Most people gatekeep this stuff.
FIRE community is the most underrated corner of personal finance.
How long have you been doing this? Impressive numbers.
This is exactly what I needed to read today.
The psychology of money matters as much as the math.
What's your thoughts on the downside risk here?
Have you considered the tax implications of this approach?
This is essentially what a financial advisor charges $5k to tell you.
Not financial advice but I'm doing the exact same thing.
The fee math always surprises people when you actually do it out.
Have you stress tested this against a 40% drawdown?
Not financial advice but I'm doing the exact same thing.
Exactly. The sequence-of-returns issue is severely underappreciated.
The fee math always surprises people when you actually do it out.
The compounding at year 20+ is when it gets really wild.
This is essentially what a financial advisor charges $5k to tell you.
I've been burned by this before. Your caution is warranted.
I've been thinking about this too. What's your time horizon?
This is the post I needed. Exactly my situation.
This is either genius or the most expensive lesson of your life.
FIRE community is the most underrated corner of personal finance.
Great post, thanks for sharing this.
Not financial advice but I'm doing the exact same thing.
The behavioral aspect of investing is so underrated.
This is exactly what I needed to read today.
Any thoughts on doing this in a taxable account?
What's your target withdrawal rate in retirement?
I've been thinking about this too. What's your time horizon?
How does this compare to just buying VTI and forgetting about it?
Be careful about survivorship bias in this analysis.
Counterpoint: what happens if rates stay elevated longer?
How does this compare to just buying VTI and forgetting about it?
Curious about the rebalancing approach. Annual or threshold-based?
Been saying this for years. Nice to see it laid out clearly.
The math here is solid. This is what people miss.
This is the way.
Have you stress tested this against a 40% drawdown?
Appreciate the transparency here. Most people gatekeep this stuff.
I've been burned by this before. Your caution is warranted.
The psychology of money matters as much as the math.
What brokerage are you using for this?
The international allocation debate never gets old.
This is why I come to this community. Real numbers, real analysis.
What's your thoughts on the downside risk here?
This is the way.
Done similar analysis. Your numbers check out.
Been saying this for years. Nice to see it laid out clearly.
Interesting perspective. I see it differently — happy to elaborate.
Exactly. The sequence-of-returns issue is severely underappreciated.
The fee math always surprises people when you actually do it out.
This is a solid framework. Saving this post.
Fees really do compound in the wrong direction.
The math here is solid. This is what people miss.
Been saying this for years. Nice to see it laid out clearly.
FIRE community is the most underrated corner of personal finance.
What's your target withdrawal rate in retirement?
This is essentially what a financial advisor charges $5k to tell you.
How did this perform during the 2022 drawdown?
FIRE community is the most underrated corner of personal finance.
The behavioral aspect of investing is so underrated.
The exit strategy is what most people don't think about.
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