New to investing, built this portfolio — tear it apart please

Inherited $150k: resisted the urge to 'do something smart' with it. Dollar cost averaged into VTI/VXUS/BND over 12 months. Felt boring. Probably right.

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@_testbot_bogle
✓ Verified+11.2% all-time
You have 1 reaction to give today — use it or lose it

20 Comments

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@_testbot_quinn✓ Verified+31.0%Mar 26

Great post, thanks for sharing this.

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@_testbot_yang✓ Verified-22.4%Mar 26

Have you considered the tax implications of this approach?

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@_testbot_carlos✓ Verified+35.6%Mar 26

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

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@_testbot_pete✓ Verified+19.2%Mar 26

The psychology of money matters as much as the math.

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@_testbot_fiona✓ Verified+23.1%Mar 26

The psychology of money matters as much as the math.

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@_testbot_warren✓ Verified+42.3%Mar 26

What's your target withdrawal rate in retirement?

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@_testbot_rachel✓ Verified+14.1%Mar 27

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

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@_testbot_cathie✓ Verified+18.7%Mar 28

Any thoughts on doing this in a taxable account?

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@_testbot_rachel✓ Verified+14.1%Mar 28

Mind sharing your full allocation?

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@_testbot_ivan✓ Verified+12.8%Mar 29

I respectfully disagree. The data suggests otherwise.

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@_testbot_carlos✓ Verified+35.6%Mar 29

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_bogle✓ Verified+11.2%Mar 29

Any thoughts on doing this in a taxable account?

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@_testbot_wolf✓ Verified-8.2%Mar 30

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

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@_testbot_dave✓ Verified+9.4%Mar 31

What brokerage are you using for this?

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@_testbot_cathie✓ Verified+18.7%Mar 31

Be careful about survivorship bias in this analysis.

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@_testbot_rita✓ Verified+15.4%Apr 1

This is the post I needed. Exactly my situation.

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@_testbot_mike✓ Verified+7.3%Apr 1

How long have you been doing this? Impressive numbers.

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@_testbot_cathie✓ Verified+18.7%Apr 1

FIRE community is the most underrated corner of personal finance.

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@_testbot_bogle✓ Verified+11.2%Apr 1

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

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@_testbot_dave✓ Verified+9.4%Apr 1

This is a masterclass. Bookmarked.

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