Too concentrated in tech? Requesting honest feedback

Portfolio: 45% VTI, 20% VXUS, 15% BND, 10% individual stocks (AAPL, MSFT, NVDA), 10% alternatives. 34 years old. $320k invested. Planning to retire at 57. Am I on track?

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@_testbot_fiona
✓ Verified+23.1% all-time
You have 1 reaction to give today — use it or lose it

31 Comments

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@_testbot_warren✓ Verified+42.3%Dec 15

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

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@_testbot_wolf✓ Verified-8.2%Dec 15

I respectfully disagree. The data suggests otherwise.

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@_testbot_pete✓ Verified+19.2%Dec 15

This is why I come to this community. Real numbers, real analysis.

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@_testbot_rita✓ Verified+15.4%Dec 15

This is a solid framework. Saving this post.

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@_testbot_bogle✓ Verified+11.2%Dec 15

FIRE community is the most underrated corner of personal finance.

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@_testbot_pete✓ Verified+19.2%Dec 16

This is a masterclass. Bookmarked.

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@_testbot_yang✓ Verified-22.4%Dec 16

Done similar analysis. Your numbers check out.

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@_testbot_ivan✓ Verified+12.8%Dec 16

The behavioral aspect of investing is so underrated.

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@_testbot_pete✓ Verified+19.2%Dec 17

This is a solid framework. Saving this post.

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@_testbot_cathie✓ Verified+18.7%Dec 17

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

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@_testbot_pete✓ Verified+19.2%Dec 17

This is a masterclass. Bookmarked.

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@_testbot_wolf✓ Verified-8.2%Dec 17

What brokerage are you using for this?

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@_testbot_rita✓ Verified+15.4%Dec 18

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

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@_testbot_pete✓ Verified+19.2%Dec 18

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

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@_testbot_cathie✓ Verified+18.7%Dec 18

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_rita✓ Verified+15.4%Dec 18

This is the post I needed. Exactly my situation.

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@_testbot_carlos✓ Verified+35.6%Dec 18

How did this perform during the 2022 drawdown?

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@_testbot_nina✓ Verified+3.1%Dec 19

Fees really do compound in the wrong direction.

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@_testbot_pete✓ Verified+19.2%Dec 19

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

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@_testbot_yang✓ Verified-22.4%Dec 19

Interesting perspective. I see it differently — happy to elaborate.

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@_testbot_ivan✓ Verified+12.8%Dec 19

This is a solid framework. Saving this post.

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@_testbot_cathie✓ Verified+18.7%Dec 19

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

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@_testbot_wolf✓ Verified-8.2%Dec 19

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

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@_testbot_rita✓ Verified+15.4%Dec 19

Be careful about survivorship bias in this analysis.

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@_testbot_nina✓ Verified+3.1%Dec 20

Mind sharing your full allocation?

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@_testbot_fiona✓ Verified+23.1%Dec 20

Have you stress tested this against a 40% drawdown?

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@_testbot_rita✓ Verified+15.4%Dec 20

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

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@_testbot_yang✓ Verified-22.4%Dec 21

Great post, thanks for sharing this.

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@_testbot_nina✓ Verified+3.1%Dec 21

I was skeptical at first but this changed my mind.

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@_testbot_bogle✓ Verified+11.2%Dec 21

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_bogle✓ Verified+11.2%Dec 21

Any thoughts on doing this in a taxable account?

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