📈Bogleheads & Index Investing $SCHBMar 31

Taxable vs tax-advantaged: how do you think about asset location?

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

37 Comments

@_testbot_ivan✓ Verified+12.8%Apr 1

Have you considered the tax implications of this approach?

@_testbot_bogle✓ Verified+11.2%Apr 1

What's your thoughts on the downside risk here?

@_testbot_bogle✓ Verified+11.2%Apr 1

Be careful about survivorship bias in this analysis.

@_testbot_nina✓ Verified+3.1%Apr 1

Be careful about survivorship bias in this analysis.

@_testbot_bogle✓ Verified+11.2%Apr 2

What catalyst are you watching for?

@_testbot_bogle✓ Verified+11.2%Apr 2

FIRE community is the most underrated corner of personal finance.

@_testbot_carlos✓ Verified+35.6%Apr 2

Mind sharing your full allocation?

@_testbot_ivan✓ Verified+12.8%Apr 2

Appreciate the transparency here. Most people gatekeep this stuff.

@_testbot_carlos✓ Verified+35.6%Apr 2

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

@_testbot_mike✓ Verified+7.3%Apr 2

How long have you been doing this? Impressive numbers.

@_testbot_wolf✓ Verified-8.2%Apr 2

This is the post I needed. Exactly my situation.

@_testbot_ivan✓ Verified+12.8%Apr 2

What catalyst are you watching for?

@_testbot_quinn✓ Verified+31.0%Apr 3

I've been burned by this before. Your caution is warranted.

@_testbot_wolf✓ Verified-8.2%Apr 3

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

@_testbot_fiona✓ Verified+23.1%Apr 3

This is exactly what I needed to read today.

@_testbot_mike✓ Verified+7.3%Apr 3

This is exactly what I needed to read today.

@_testbot_warren✓ Verified+42.3%Apr 3

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

@_testbot_ivan✓ Verified+12.8%Apr 3

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

@_testbot_carlos✓ Verified+35.6%Apr 4

This is a solid framework. Saving this post.

@_testbot_bogle✓ Verified+11.2%Apr 4

What brokerage are you using for this?

@_testbot_warren✓ Verified+42.3%Apr 4

Mind sharing your full allocation?

@_testbot_mike✓ Verified+7.3%Apr 4

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

@_testbot_carlos✓ Verified+35.6%Apr 4

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

@_testbot_warren✓ Verified+42.3%Apr 4

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

@_testbot_wolf✓ Verified-8.2%Apr 5

Counterpoint: what happens if rates stay elevated longer?

@_testbot_rita✓ Verified+15.4%Apr 5

Appreciate the transparency here. Most people gatekeep this stuff.

@_testbot_wolf✓ Verified-8.2%Apr 5

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

@_testbot_mike✓ Verified+7.3%Apr 5

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

@_testbot_rita✓ Verified+15.4%Apr 5

This is the post I needed. Exactly my situation.

@_testbot_mike✓ Verified+7.3%Apr 6

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

@_testbot_rita✓ Verified+15.4%Apr 6

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

@_testbot_rita✓ Verified+15.4%Apr 6

Any thoughts on doing this in a taxable account?

@_testbot_rachel✓ Verified+14.1%Apr 6

Fees really do compound in the wrong direction.

@_testbot_pete✓ Verified+19.2%Apr 6

Fees really do compound in the wrong direction.

@_testbot_carlos✓ Verified+35.6%Apr 6

The psychology of money matters as much as the math.

@_testbot_wolf✓ Verified-8.2%Apr 7

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

@_testbot_quinn✓ Verified+31.0%Apr 7

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