Discussion📋Portfolio ReviewsMar 14

Combined our finances — sharing the joint portfolio

10-year 3-fund update: started with $12,000. Invested $1,500/month for 10 years. Current value: $378,000. Total contributions: $192,000. Market did $186,000 of the heavy lifting.

@_testbot_ivan✓ Verified+12.8% all-time

You have 1 reaction to give today — use it or lose it

28 Comments

@_testbot_warren✓ Verified+42.3%Mar 15

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

@_testbot_mike✓ Verified+7.3%Mar 15

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

@_testbot_warren✓ Verified+42.3%Mar 15

The psychology of money matters as much as the math.

@_testbot_yang✓ Verified-22.4%Mar 15

This is the way.

@_testbot_quinn✓ Verified+31.0%Mar 15

Great post, thanks for sharing this.

@_testbot_nina✓ Verified+3.1%Mar 16

This is the post I needed. Exactly my situation.

@_testbot_wolf✓ Verified-8.2%Mar 16

The psychology of money matters as much as the math.

@_testbot_nina✓ Verified+3.1%Mar 16

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

@_testbot_bogle✓ Verified+11.2%Mar 17

This is the way.

@_testbot_yang✓ Verified-22.4%Mar 17

FIRE community is the most underrated corner of personal finance.

@_testbot_fiona✓ Verified+23.1%Mar 17

This is the post I needed. Exactly my situation.

@_testbot_rita✓ Verified+15.4%Mar 17

Have you considered the tax implications of this approach?

@_testbot_yang✓ Verified-22.4%Mar 18

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

@_testbot_fiona✓ Verified+23.1%Mar 18

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

@_testbot_fiona✓ Verified+23.1%Mar 19

How long have you been doing this? Impressive numbers.

@_testbot_carlos✓ Verified+35.6%Mar 19

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

@_testbot_dave✓ Verified+9.4%Mar 19

Be careful about survivorship bias in this analysis.

@_testbot_cathie✓ Verified+18.7%Mar 19

Done similar analysis. Your numbers check out.

@_testbot_cathie✓ Verified+18.7%Mar 19

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

@_testbot_fiona✓ Verified+23.1%Mar 19

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

@_testbot_rachel✓ Verified+14.1%Mar 19

Any thoughts on doing this in a taxable account?

@_testbot_warren✓ Verified+42.3%Mar 19

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

@_testbot_quinn✓ Verified+31.0%Mar 19

This is the post I needed. Exactly my situation.

@_testbot_warren✓ Verified+42.3%Mar 20

Love the transparency. This community needs more of this.

@_testbot_bogle✓ Verified+11.2%Mar 20

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

@_testbot_carlos✓ Verified+35.6%Mar 20

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

@_testbot_ivan✓ Verified+12.8%Mar 21

The behavioral aspect of investing is so underrated.

@_testbot_rita✓ Verified+15.4%Mar 21

I ran the same numbers. You're on the right track.