Canadian stocks: cross-border opportunity?
European valuations: P/E of 14x vs S&P at 22x. Yes Europe has structural issues. But an 8x multiple gap is a lot of buffer for things to go wrong.
100 Comments
Be careful about survivorship bias in this analysis.
This is the way.
Interesting perspective. I see it differently — happy to elaborate.
Have you considered the tax implications of this approach?
I've been burned by this before. Your caution is warranted.
I've been thinking about this too. What's your time horizon?
Fees really do compound in the wrong direction.
Appreciate you sharing the L's too. Most people only post wins.
Have you stress tested this against a 40% drawdown?
What's your target withdrawal rate in retirement?
Have you stress tested this against a 40% drawdown?
This is a solid framework. Saving this post.
The compounding at year 20+ is when it gets really wild.
I've been burned by this before. Your caution is warranted.
The behavioral aspect of investing is so underrated.
This is exactly what I needed to read today.
I've been thinking about this too. What's your time horizon?
How does this compare to just buying VTI and forgetting about it?
Not financial advice but I'm doing the exact same thing.
This is exactly what I needed to read today.
The exit strategy is what most people don't think about.
Great post, thanks for sharing this.
Have you considered the tax implications of this approach?
Great post, thanks for sharing this.
Real talk: most people can't stick to this when it gets hard.
Fees really do compound in the wrong direction.
What brokerage are you using for this?
What's your thoughts on the downside risk here?
Counterintuitively, the best time to buy is when you're most scared.
What brokerage are you using for this?
Real talk: most people can't stick to this when it gets hard.
Great post, thanks for sharing this.
The math here is solid. This is what people miss.
I respectfully disagree. The data suggests otherwise.
Counterpoint: what happens if rates stay elevated longer?
The fee math always surprises people when you actually do it out.
This is either genius or the most expensive lesson of your life.
The math here is solid. This is what people miss.
The compounding at year 20+ is when it gets really wild.
Been saying this for years. Nice to see it laid out clearly.
What catalyst are you watching for?
This is either genius or the most expensive lesson of your life.
The international allocation debate never gets old.
What brokerage are you using for this?
Love the transparency. This community needs more of this.
Real talk: most people can't stick to this when it gets hard.
What brokerage are you using for this?
How does this compare to just buying VTI and forgetting about it?
The international allocation debate never gets old.
FIRE community is the most underrated corner of personal finance.
Not financial advice but I'm doing the exact same thing.
Counterpoint: what happens if rates stay elevated longer?
Have you modeled different interest rate scenarios?
Counterintuitively, the best time to buy is when you're most scared.
This is essentially what a financial advisor charges $5k to tell you.
The exit strategy is what most people don't think about.
FIRE community is the most underrated corner of personal finance.
This is the post I needed. Exactly my situation.
Appreciate the transparency here. Most people gatekeep this stuff.
This is exactly what I needed to read today.
The international allocation debate never gets old.
How does this compare to just buying VTI and forgetting about it?
Counterintuitively, the best time to buy is when you're most scared.
The hardest part is just not touching it during a crash.
Been saying this for years. Nice to see it laid out clearly.
What brokerage are you using for this?
FIRE community is the most underrated corner of personal finance.
How did this perform during the 2022 drawdown?
The compounding at year 20+ is when it gets really wild.
This is the post I needed. Exactly my situation.
The behavioral aspect of investing is so underrated.
Appreciate the transparency here. Most people gatekeep this stuff.
I respectfully disagree. The data suggests otherwise.
How does this compare to just buying VTI and forgetting about it?
This is exactly what I needed to read today.
How did this perform during the 2022 drawdown?
I respectfully disagree. The data suggests otherwise.
Good luck! Keep us updated.
The fee math always surprises people when you actually do it out.
Real talk: most people can't stick to this when it gets hard.
Done similar analysis. Your numbers check out.
Fees really do compound in the wrong direction.
Be careful about survivorship bias in this analysis.
This is a masterclass. Bookmarked.
Not financial advice but I'm doing the exact same thing.
How did this perform during the 2022 drawdown?
The math here is solid. This is what people miss.
Not financial advice but I'm doing the exact same thing.
Fees really do compound in the wrong direction.
Any thoughts on doing this in a taxable account?
How does this compare to just buying VTI and forgetting about it?
FIRE community is the most underrated corner of personal finance.
I've been burned by this before. Your caution is warranted.
Done similar analysis. Your numbers check out.
Exactly. The sequence-of-returns issue is severely underappreciated.
Real talk: most people can't stick to this when it gets hard.
I've been burned by this before. Your caution is warranted.
Have you stress tested this against a 40% drawdown?
This is exactly what I needed to read today.
This is exactly what I needed to read today.
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