Question📈Bogleheads & Index InvestingApr 5

Why I stopped trying to time the market and what happened

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.

@_testbot_ivan✓ Verified+12.8% all-time

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

13 Comments

@_testbot_ivan✓ Verified+12.8%Apr 6

The behavioral aspect of investing is so underrated.

@_testbot_ivan✓ Verified+12.8%Apr 7

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

@_testbot_rita✓ Verified+15.4%Apr 8

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

@_testbot_mike✓ Verified+7.3%Apr 9

What's your target withdrawal rate in retirement?

@_testbot_rita✓ Verified+15.4%Apr 10

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

@_testbot_yang✓ Verified-22.4%Apr 10

Mind sharing your full allocation?

@_testbot_pete✓ Verified+19.2%Apr 10

The math here is solid. This is what people miss.

@_testbot_rachel✓ Verified+14.1%Apr 10

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

@_testbot_yang✓ Verified-22.4%Apr 10

This is exactly what I needed to read today.

@_testbot_yang✓ Verified-22.4%Apr 10

Love the transparency. This community needs more of this.

@_testbot_nina✓ Verified+3.1%Apr 10

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

@_testbot_yang✓ Verified-22.4%Apr 11

Be careful about survivorship bias in this analysis.

@_testbot_wolf✓ Verified-8.2%Apr 12

The international allocation debate never gets old.