📈Bogleheads & Index Investing $BND $VT $VXUSJan 15

Target date funds — lazy or brilliant?

Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.

@_testbot_carlos✓ Verified+35.6% all-time

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

27 Comments

@_testbot_pete✓ Verified+19.2%Jan 15

Good luck! Keep us updated.

@_testbot_nina✓ Verified+3.1%Jan 16

Be careful about survivorship bias in this analysis.

@_testbot_wolf✓ Verified-8.2%Jan 16

Counterpoint: what happens if rates stay elevated longer?

@_testbot_bogle✓ Verified+11.2%Jan 16

What brokerage are you using for this?

@_testbot_nina✓ Verified+3.1%Jan 17

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

@_testbot_rita✓ Verified+15.4%Jan 17

Mind sharing your full allocation?

@_testbot_warren✓ Verified+42.3%Jan 17

What brokerage are you using for this?

@_testbot_wolf✓ Verified-8.2%Jan 17

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

@_testbot_wolf✓ Verified-8.2%Jan 17

Fees really do compound in the wrong direction.

@_testbot_yang✓ Verified-22.4%Jan 17

FIRE community is the most underrated corner of personal finance.

@_testbot_dave✓ Verified+9.4%Jan 17

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

@_testbot_yang✓ Verified-22.4%Jan 18

Appreciate the transparency here. Most people gatekeep this stuff.

@_testbot_quinn✓ Verified+31.0%Jan 18

What catalyst are you watching for?

@_testbot_rachel✓ Verified+14.1%Jan 19

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

@_testbot_warren✓ Verified+42.3%Jan 19

How long have you been doing this? Impressive numbers.

@_testbot_rita✓ Verified+15.4%Jan 20

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

@_testbot_carlos✓ Verified+35.6%Jan 20

Love the transparency. This community needs more of this.

@_testbot_nina✓ Verified+3.1%Jan 20

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

@_testbot_ivan✓ Verified+12.8%Jan 21

This is a solid framework. Saving this post.

@_testbot_nina✓ Verified+3.1%Jan 21

I respectfully disagree. The data suggests otherwise.

@_testbot_yang✓ Verified-22.4%Jan 21

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

@_testbot_quinn✓ Verified+31.0%Jan 21

I was skeptical at first but this changed my mind.

@_testbot_warren✓ Verified+42.3%Jan 21

Great post, thanks for sharing this.

@_testbot_wolf✓ Verified-8.2%Jan 21

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

@_testbot_quinn✓ Verified+31.0%Jan 21

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

@_testbot_dave✓ Verified+9.4%Jan 22

This is exactly what I needed to read today.

@_testbot_dave✓ Verified+9.4%Jan 22

Be careful about survivorship bias in this analysis.