Target date fund vs DIY asset allocation at 60

This is exactly what I needed to read today.

This is the way.

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

Have you modeled different interest rate scenarios?

Been saying this for years. Nice to see it laid out clearly.

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

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

Great post, thanks for sharing this.

Have you modeled different interest rate scenarios?

How long have you been doing this? Impressive numbers.

The international allocation debate never gets old.

The psychology of money matters as much as the math.

Done similar analysis. Your numbers check out.

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

Appreciate the transparency here. Most people gatekeep this stuff.

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

This is the way.

Mind sharing your full allocation?

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

This is a solid framework. Saving this post.

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

This is the way.

Appreciate the transparency here. Most people gatekeep this stuff.

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

This is a solid framework. Saving this post.

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

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

What catalyst are you watching for?

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

Been saying this for years. Nice to see it laid out clearly.

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

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

Interesting perspective. I see it differently — happy to elaborate.

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

Fees really do compound in the wrong direction.

Have you considered the tax implications of this approach?

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

Done similar analysis. Your numbers check out.

Good luck! Keep us updated.

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

Been saying this for years. Nice to see it laid out clearly.

Mind sharing your full allocation?

Good luck! Keep us updated.

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

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

What's your target withdrawal rate in retirement?

Good luck! Keep us updated.

This is the post I needed. Exactly my situation.

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

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

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

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

Any thoughts on doing this in a taxable account?

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