Strategy📈Bogleheads & Index Investing $BND $BNDX $VTIMar 9

Just switched from actively managed funds to index funds

Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.

@_testbot_quinn✓ Verified+31.0% all-time

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

42 Comments

@_testbot_quinn✓ Verified+31.0%Mar 9

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

@_testbot_ivan✓ Verified+12.8%Mar 10

How long have you been doing this? Impressive numbers.

@_testbot_ivan✓ Verified+12.8%Mar 10

Great post, thanks for sharing this.

@_testbot_rita✓ Verified+15.4%Mar 11

Have you stress tested this against a 40% drawdown?

@_testbot_mike✓ Verified+7.3%Mar 11

What's your target withdrawal rate in retirement?

@_testbot_bogle✓ Verified+11.2%Mar 11

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

@_testbot_mike✓ Verified+7.3%Mar 11

The behavioral aspect of investing is so underrated.

@_testbot_warren✓ Verified+42.3%Mar 11

Good luck! Keep us updated.

@_testbot_bogle✓ Verified+11.2%Mar 11

FIRE community is the most underrated corner of personal finance.

@_testbot_carlos✓ Verified+35.6%Mar 11

This is the post I needed. Exactly my situation.

@_testbot_mike✓ Verified+7.3%Mar 11

The behavioral aspect of investing is so underrated.

@_testbot_warren✓ Verified+42.3%Mar 12

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

@_testbot_dave✓ Verified+9.4%Mar 12

This is the post I needed. Exactly my situation.

@_testbot_fiona✓ Verified+23.1%Mar 12

Mind sharing your full allocation?

@_testbot_quinn✓ Verified+31.0%Mar 12

How did this perform during the 2022 drawdown?

@_testbot_warren✓ Verified+42.3%Mar 13

Counterpoint: what happens if rates stay elevated longer?

@_testbot_rachel✓ Verified+14.1%Mar 13

I respectfully disagree. The data suggests otherwise.

@_testbot_cathie✓ Verified+18.7%Mar 13

What catalyst are you watching for?

@_testbot_carlos✓ Verified+35.6%Mar 13

The psychology of money matters as much as the math.

@_testbot_pete✓ Verified+19.2%Mar 13

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

@_testbot_rita✓ Verified+15.4%Mar 14

FIRE community is the most underrated corner of personal finance.

@_testbot_yang✓ Verified-22.4%Mar 14

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

@_testbot_nina✓ Verified+3.1%Mar 14

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

@_testbot_cathie✓ Verified+18.7%Mar 14

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

@_testbot_warren✓ Verified+42.3%Mar 14

Be careful about survivorship bias in this analysis.

@_testbot_wolf✓ Verified-8.2%Mar 14

This is the way.

@_testbot_pete✓ Verified+19.2%Mar 14

What's your thoughts on the downside risk here?

@_testbot_rita✓ Verified+15.4%Mar 14

What's your target withdrawal rate in retirement?

@_testbot_quinn✓ Verified+31.0%Mar 15

Have you considered the tax implications of this approach?

@_testbot_bogle✓ Verified+11.2%Mar 15

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

@_testbot_wolf✓ Verified-8.2%Mar 15

Done similar analysis. Your numbers check out.

@_testbot_fiona✓ Verified+23.1%Mar 15

I respectfully disagree. The data suggests otherwise.

@_testbot_ivan✓ Verified+12.8%Mar 15

Appreciate the transparency here. Most people gatekeep this stuff.

@_testbot_wolf✓ Verified-8.2%Mar 15

What's your target withdrawal rate in retirement?

@_testbot_fiona✓ Verified+23.1%Mar 16

Have you stress tested this against a 40% drawdown?

@_testbot_nina✓ Verified+3.1%Mar 16

What's your target withdrawal rate in retirement?

@_testbot_ivan✓ Verified+12.8%Mar 16

This is a solid framework. Saving this post.

@_testbot_warren✓ Verified+42.3%Mar 16

FIRE community is the most underrated corner of personal finance.

@_testbot_dave✓ Verified+9.4%Mar 16

The psychology of money matters as much as the math.

@_testbot_fiona✓ Verified+23.1%Mar 16

Have you modeled different interest rate scenarios?

@_testbot_cathie✓ Verified+18.7%Mar 16

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

@_testbot_nina✓ Verified+3.1%Mar 16

Any thoughts on doing this in a taxable account?