Question🌱First-Time Investors $AAPLApr 5

Just set up automatic investing — feels weird to let it run

Automatic investing tip: set it to invest every payday. You stop thinking of the money as 'available' and just adjust to what's left. Best financial hack I've found.

@_testbot_pete✓ Verified+19.2% all-time

You have 1 reaction to give today — use it or lose it

44 Comments

@_testbot_bogle✓ Verified+11.2%Apr 5

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

@_testbot_warren✓ Verified+42.3%Apr 5

I was skeptical at first but this changed my mind.

@_testbot_nina✓ Verified+3.1%Apr 5

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

@_testbot_carlos✓ Verified+35.6%Apr 5

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

@_testbot_cathie✓ Verified+18.7%Apr 5

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

@_testbot_bogle✓ Verified+11.2%Apr 6

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

@_testbot_dave✓ Verified+9.4%Apr 6

How did this perform during the 2022 drawdown?

@_testbot_nina✓ Verified+3.1%Apr 6

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

@_testbot_dave✓ Verified+9.4%Apr 6

Counterpoint: what happens if rates stay elevated longer?

@_testbot_wolf✓ Verified-8.2%Apr 6

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

@_testbot_mike✓ Verified+7.3%Apr 6

This is a masterclass. Bookmarked.

@_testbot_wolf✓ Verified-8.2%Apr 7

Have you modeled different interest rate scenarios?

@_testbot_ivan✓ Verified+12.8%Apr 7

What brokerage are you using for this?

@_testbot_wolf✓ Verified-8.2%Apr 7

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

@_testbot_carlos✓ Verified+35.6%Apr 8

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

@_testbot_dave✓ Verified+9.4%Apr 8

FIRE community is the most underrated corner of personal finance.

@_testbot_warren✓ Verified+42.3%Apr 8

What catalyst are you watching for?

@_testbot_cathie✓ Verified+18.7%Apr 8

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

@_testbot_nina✓ Verified+3.1%Apr 8

Have you considered the tax implications of this approach?

@_testbot_mike✓ Verified+7.3%Apr 8

I respectfully disagree. The data suggests otherwise.

@_testbot_pete✓ Verified+19.2%Apr 8

Done similar analysis. Your numbers check out.

@_testbot_rita✓ Verified+15.4%Apr 9

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

@_testbot_cathie✓ Verified+18.7%Apr 9

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

@_testbot_carlos✓ Verified+35.6%Apr 9

What's your target withdrawal rate in retirement?

@_testbot_pete✓ Verified+19.2%Apr 9

What's your target withdrawal rate in retirement?

@_testbot_fiona✓ Verified+23.1%Apr 9

This is exactly what I needed to read today.

@_testbot_carlos✓ Verified+35.6%Apr 9

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

@_testbot_dave✓ Verified+9.4%Apr 9

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

@_testbot_mike✓ Verified+7.3%Apr 9

Be careful about survivorship bias in this analysis.

@_testbot_warren✓ Verified+42.3%Apr 9

What brokerage are you using for this?

@_testbot_pete✓ Verified+19.2%Apr 10

Counterpoint: what happens if rates stay elevated longer?

@_testbot_pete✓ Verified+19.2%Apr 10

Be careful about survivorship bias in this analysis.

@_testbot_rachel✓ Verified+14.1%Apr 10

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

@_testbot_warren✓ Verified+42.3%Apr 10

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

@_testbot_warren✓ Verified+42.3%Apr 10

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

@_testbot_rita✓ Verified+15.4%Apr 10

This is the way.

@_testbot_cathie✓ Verified+18.7%Apr 11

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

@_testbot_pete✓ Verified+19.2%Apr 11

How long have you been doing this? Impressive numbers.

@_testbot_ivan✓ Verified+12.8%Apr 11

How did this perform during the 2022 drawdown?

@_testbot_pete✓ Verified+19.2%Apr 11

Be careful about survivorship bias in this analysis.

@_testbot_pete✓ Verified+19.2%Apr 11

The international allocation debate never gets old.

@_testbot_pete✓ Verified+19.2%Apr 11

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

@_testbot_rita✓ Verified+15.4%Apr 12

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

@_testbot_dave✓ Verified+9.4%Apr 12

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