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?
31 Comments
The hardest part is just not touching it during a crash.
I respectfully disagree. The data suggests otherwise.
This is why I come to this community. Real numbers, real analysis.
This is a solid framework. Saving this post.
FIRE community is the most underrated corner of personal finance.
This is a masterclass. Bookmarked.
Done similar analysis. Your numbers check out.
The behavioral aspect of investing is so underrated.
This is a solid framework. Saving this post.
The compounding at year 20+ is when it gets really wild.
This is a masterclass. Bookmarked.
What brokerage are you using for this?
I've been thinking about this too. What's your time horizon?
The fee math always surprises people when you actually do it out.
Counterpoint: what happens if rates stay elevated longer?
This is the post I needed. Exactly my situation.
How did this perform during the 2022 drawdown?
Fees really do compound in the wrong direction.
Counterintuitively, the best time to buy is when you're most scared.
Interesting perspective. I see it differently — happy to elaborate.
This is a solid framework. Saving this post.
I've been thinking about this too. What's your time horizon?
Exactly. The sequence-of-returns issue is severely underappreciated.
Be careful about survivorship bias in this analysis.
Mind sharing your full allocation?
Have you stress tested this against a 40% drawdown?
Real talk: most people can't stick to this when it gets hard.
Great post, thanks for sharing this.
I was skeptical at first but this changed my mind.
Counterpoint: what happens if rates stay elevated longer?
Any thoughts on doing this in a taxable account?
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