Taxable vs tax-advantaged: how do you think about asset location?
Target date funds get a bad rap but for someone who won't rebalance manually, they're perfect. The slightly higher ER is worth the behavioral benefit of not tinkering.
53 Comments
How does this compare to just buying VTI and forgetting about it?
Great post, thanks for sharing this.
The international allocation debate never gets old.
Appreciate you sharing the L's too. Most people only post wins.
Done similar analysis. Your numbers check out.
This is the way.
The international allocation debate never gets old.
Have you considered the tax implications of this approach?
Mind sharing your full allocation?
I was skeptical at first but this changed my mind.
Have you stress tested this against a 40% drawdown?
I've been thinking about this too. What's your time horizon?
Great post, thanks for sharing this.
Any thoughts on doing this in a taxable account?
Done similar analysis. Your numbers check out.
I ran the same numbers. You're on the right track.
The psychology of money matters as much as the math.
I was skeptical at first but this changed my mind.
The compounding at year 20+ is when it gets really wild.
This is a masterclass. Bookmarked.
The fee math always surprises people when you actually do it out.
Appreciate the transparency here. Most people gatekeep this stuff.
Great post, thanks for sharing this.
This is the post I needed. Exactly my situation.
What's your thoughts on the downside risk here?
I've been burned by this before. Your caution is warranted.
Appreciate the transparency here. Most people gatekeep this stuff.
FIRE community is the most underrated corner of personal finance.
The psychology of money matters as much as the math.
What's your target withdrawal rate in retirement?
I've been burned by this before. Your caution is warranted.
How did this perform during the 2022 drawdown?
Fees really do compound in the wrong direction.
The behavioral aspect of investing is so underrated.
The hardest part is just not touching it during a crash.
Great post, thanks for sharing this.
Done similar analysis. Your numbers check out.
How long have you been doing this? Impressive numbers.
What's your thoughts on the downside risk here?
This is the way.
How did this perform during the 2022 drawdown?
Love the transparency. This community needs more of this.
Counterintuitively, the best time to buy is when you're most scared.
The compounding at year 20+ is when it gets really wild.
Not financial advice but I'm doing the exact same thing.
Appreciate you sharing the L's too. Most people only post wins.
This is essentially what a financial advisor charges $5k to tell you.
The psychology of money matters as much as the math.
Have you modeled different interest rate scenarios?
How does this compare to just buying VTI and forgetting about it?
Counterintuitively, the best time to buy is when you're most scared.
The fee math always surprises people when you actually do it out.
What's your thoughts on the downside risk here?
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