How much of your paycheck are you investing each month?
Just got my year-end statement and realized I've been paying 1.2% expense ratio on my managed fund. Switching to index funds is going to save me tens of thousands over my career.
59 Comments
Appreciate you sharing the L's too. Most people only post wins.
Be careful about survivorship bias in this analysis.
I respectfully disagree. The data suggests otherwise.
The compounding at year 20+ is when it gets really wild.
Have you stress tested this against a 40% drawdown?
The math here is solid. This is what people miss.
How does this compare to just buying VTI and forgetting about it?
Counterintuitively, the best time to buy is when you're most scared.
What catalyst are you watching for?
Be careful about survivorship bias in this analysis.
This is exactly what I needed to read today.
Good luck! Keep us updated.
Fees really do compound in the wrong direction.
Been saying this for years. Nice to see it laid out clearly.
Great post, thanks for sharing this.
Any thoughts on doing this in a taxable account?
Not financial advice but I'm doing the exact same thing.
I respectfully disagree. The data suggests otherwise.
Appreciate the transparency here. Most people gatekeep this stuff.
This is the way.
Counterpoint: what happens if rates stay elevated longer?
Counterintuitively, the best time to buy is when you're most scared.
How does this compare to just buying VTI and forgetting about it?
The hardest part is just not touching it during a crash.
This is either genius or the most expensive lesson of your life.
Counterpoint: what happens if rates stay elevated longer?
Good luck! Keep us updated.
The hardest part is just not touching it during a crash.
Not financial advice but I'm doing the exact same thing.
Great post, thanks for sharing this.
Curious about the rebalancing approach. Annual or threshold-based?
The math here is solid. This is what people miss.
Curious about the rebalancing approach. Annual or threshold-based?
What's your thoughts on the downside risk here?
Great post, thanks for sharing this.
Have you modeled different interest rate scenarios?
FIRE community is the most underrated corner of personal finance.
This is the way.
Great post, thanks for sharing this.
This is a masterclass. Bookmarked.
The international allocation debate never gets old.
Interesting perspective. I see it differently — happy to elaborate.
This is a solid framework. Saving this post.
Not financial advice but I'm doing the exact same thing.
How long have you been doing this? Impressive numbers.
The international allocation debate never gets old.
Mind sharing your full allocation?
How long have you been doing this? Impressive numbers.
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?
How does this compare to just buying VTI and forgetting about it?
Exactly. The sequence-of-returns issue is severely underappreciated.
The psychology of money matters as much as the math.
How long have you been doing this? Impressive numbers.
Good luck! Keep us updated.
I've been burned by this before. Your caution is warranted.
The psychology of money matters as much as the math.
Done similar analysis. Your numbers check out.
Sign in to leave a comment
Sign In