Made my first trade: bought $AAPL. Good or bad?
Expense ratio realization: I was in a target date fund with 0.75% ER. Switched to same fund at 0.12% ER. That difference on $50k over 30 years at 7% is over $80,000.
52 Comments
Real talk: most people can't stick to this when it gets hard.
I've been thinking about this too. What's your time horizon?
Fees really do compound in the wrong direction.
Have you modeled different interest rate scenarios?
The international allocation debate never gets old.
I've been thinking about this too. What's your time horizon?
Appreciate you sharing the L's too. Most people only post wins.
Appreciate you sharing the L's too. Most people only post wins.
Any thoughts on doing this in a taxable account?
Not financial advice but I'm doing the exact same thing.
Fees really do compound in the wrong direction.
This is the post I needed. Exactly my situation.
How long have you been doing this? Impressive numbers.
What's your thoughts on the downside risk here?
I respectfully disagree. The data suggests otherwise.
What's your thoughts on the downside risk here?
The exit strategy is what most people don't think about.
Great post, thanks for sharing this.
The exit strategy is what most people don't think about.
The psychology of money matters as much as the math.
Love the transparency. This community needs more of this.
Appreciate the transparency here. Most people gatekeep this stuff.
Great post, thanks for sharing this.
Done similar analysis. Your numbers check out.
This is either genius or the most expensive lesson of your life.
Appreciate the transparency here. Most people gatekeep this stuff.
I was skeptical at first but this changed my mind.
I've been thinking about this too. What's your time horizon?
I've been thinking about this too. What's your time horizon?
Counterpoint: what happens if rates stay elevated longer?
This is the post I needed. Exactly my situation.
The hardest part is just not touching it during a crash.
Not financial advice but I'm doing the exact same thing.
This is the way.
The international allocation debate never gets old.
Not financial advice but I'm doing the exact same thing.
This is a solid framework. Saving this post.
What's your target withdrawal rate in retirement?
Have you stress tested this against a 40% drawdown?
What brokerage are you using for this?
What's your thoughts on the downside risk here?
Great post, thanks for sharing this.
The hardest part is just not touching it during a crash.
What brokerage are you using for this?
This is a masterclass. Bookmarked.
This is the way.
Love the transparency. This community needs more of this.
How does this compare to just buying VTI and forgetting about it?
The fee math always surprises people when you actually do it out.
What's your thoughts on the downside risk here?
I respectfully disagree. The data suggests otherwise.
The fee math always surprises people when you actually do it out.
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