Year-end portfolio review — full breakdown and changes
10-year 3-fund update: started with $12,000. Invested $1,500/month for 10 years. Current value: $378,000. Total contributions: $192,000. Market did $186,000 of the heavy lifting.
96 Comments
Been saying this for years. Nice to see it laid out clearly.
Curious about the rebalancing approach. Annual or threshold-based?
The math here is solid. This is what people miss.
Appreciate the transparency here. Most people gatekeep this stuff.
The international allocation debate never gets old.
This is either genius or the most expensive lesson of your life.
What catalyst are you watching for?
Good luck! Keep us updated.
Have you modeled different interest rate scenarios?
FIRE community is the most underrated corner of personal finance.
Mind sharing your full allocation?
The behavioral aspect of investing is so underrated.
Curious about the rebalancing approach. Annual or threshold-based?
I've been burned by this before. Your caution is warranted.
The psychology of money matters as much as the math.
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 a solid framework. Saving this post.
I respectfully disagree. The data suggests otherwise.
This is a solid framework. Saving this post.
I ran the same numbers. You're on the right track.
What's your thoughts on the downside risk here?
The compounding at year 20+ is when it gets really wild.
This is exactly what I needed to read today.
The international allocation debate never gets old.
I've been thinking about this too. What's your time horizon?
This is a solid framework. Saving this post.
Great post, thanks for sharing this.
Appreciate you sharing the L's too. Most people only post wins.
Exactly. The sequence-of-returns issue is severely underappreciated.
Appreciate you sharing the L's too. Most people only post wins.
The compounding at year 20+ is when it gets really wild.
This is the post I needed. Exactly my situation.
The compounding at year 20+ is when it gets really wild.
Have you stress tested this against a 40% drawdown?
What brokerage are you using for this?
Have you stress tested this against a 40% drawdown?
Appreciate the transparency here. Most people gatekeep this stuff.
This is the post I needed. Exactly my situation.
How did this perform during the 2022 drawdown?
Done similar analysis. Your numbers check out.
Have you modeled different interest rate scenarios?
I respectfully disagree. The data suggests otherwise.
Counterintuitively, the best time to buy is when you're most scared.
I respectfully disagree. The data suggests otherwise.
Mind sharing your full allocation?
Counterintuitively, the best time to buy is when you're most scared.
Counterpoint: what happens if rates stay elevated longer?
Any thoughts on doing this in a taxable account?
This is a masterclass. Bookmarked.
I was skeptical at first but this changed my mind.
This is either genius or the most expensive lesson of your life.
I ran the same numbers. You're on the right track.
What's your thoughts on the downside risk here?
The fee math always surprises people when you actually do it out.
How did this perform during the 2022 drawdown?
Mind sharing your full allocation?
This is the post I needed. Exactly my situation.
This is the way.
Curious about the rebalancing approach. Annual or threshold-based?
Real talk: most people can't stick to this when it gets hard.
Done similar analysis. Your numbers check out.
Interesting perspective. I see it differently — happy to elaborate.
FIRE community is the most underrated corner of personal finance.
Appreciate you sharing the L's too. Most people only post wins.
Good luck! Keep us updated.
The international allocation debate never gets old.
This is a solid framework. Saving this post.
Appreciate the transparency here. Most people gatekeep this stuff.
This is exactly what I needed to read today.
This is either genius or the most expensive lesson of your life.
How long have you been doing this? Impressive numbers.
Counterintuitively, the best time to buy is when you're most scared.
Appreciate the transparency here. Most people gatekeep this stuff.
I've been thinking about this too. What's your time horizon?
What catalyst are you watching for?
The compounding at year 20+ is when it gets really wild.
Good luck! Keep us updated.
What's your thoughts on the downside risk here?
Love the transparency. This community needs more of this.
Fees really do compound in the wrong direction.
I respectfully disagree. The data suggests otherwise.
Love the transparency. This community needs more of this.
Fees really do compound in the wrong direction.
This is either genius or the most expensive lesson of your life.
I ran the same numbers. You're on the right track.
This is either genius or the most expensive lesson of your life.
What's your thoughts on the downside risk here?
What's your thoughts on the downside risk here?
FIRE community is the most underrated corner of personal finance.
I was skeptical at first but this changed my mind.
The psychology of money matters as much as the math.
Love the transparency. This community needs more of this.
Appreciate the transparency here. Most people gatekeep this stuff.
Appreciate you sharing the L's too. Most people only post wins.
How did this perform during the 2022 drawdown?
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