Year-end portfolio review — full breakdown and changes

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

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

The international allocation debate never gets old.

Have you considered the tax implications of this approach?

Appreciate you sharing the L's too. Most people only post wins.

Good luck! Keep us updated.

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

Fees really do compound in the wrong direction.

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

This is the post I needed. Exactly my situation.

The behavioral aspect of investing is so underrated.

Mind sharing your full allocation?

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

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

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

Fees really do compound in the wrong direction.

FIRE community is the most underrated corner of personal finance.

Be careful about survivorship bias in this analysis.

The behavioral aspect of investing is so underrated.

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

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

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

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

This is a masterclass. Bookmarked.

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

The psychology of money matters as much as the math.

How does this compare to just buying VTI and forgetting about it?

Love the transparency. This community needs more of this.

How does this compare to just buying VTI and forgetting about it?

Love the transparency. This community needs more of this.

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

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

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

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

Have you stress tested this against a 40% drawdown?

Good luck! Keep us updated.

This is a solid framework. Saving this post.

I was skeptical at first but this changed my mind.

This is exactly what I needed to read today.

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

What brokerage are you using for this?

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?

Be careful about survivorship bias in this analysis.

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

How did this perform during the 2022 drawdown?

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

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

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

This is exactly what I needed to read today.

Done similar analysis. Your numbers check out.

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

This is a masterclass. Bookmarked.

Appreciate the transparency here. Most people gatekeep this stuff.

Appreciate the transparency here. Most people gatekeep this stuff.

Fees really do compound in the wrong direction.

Been saying this for years. Nice to see it laid out clearly.

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

I respectfully disagree. The data suggests otherwise.

This is a masterclass. Bookmarked.

The psychology of money matters as much as the math.

What's your thoughts on the downside risk here?

This is the way.

How long have you been doing this? Impressive numbers.