Currency risk in international investing — how I think about it
India thesis: 1.4B population, median age 28, rising middle class, English-speaking workforce, democratic rule of law. GDP growth 6-7%. Market is expensive but for a reason.
100 Comments
This is a masterclass. Bookmarked.
This is essentially what a financial advisor charges $5k to tell you.
FIRE community is the most underrated corner of personal finance.
The behavioral aspect of investing is so underrated.
I was skeptical at first but this changed my mind.
This is exactly what I needed to read today.
How did this perform during the 2022 drawdown?
I ran the same numbers. You're on the right track.
The fee math always surprises people when you actually do it out.
Fees really do compound in the wrong direction.
How long have you been doing this? Impressive numbers.
The fee math always surprises people when you actually do it out.
Fees really do compound in the wrong direction.
Curious about the rebalancing approach. Annual or threshold-based?
Appreciate the transparency here. Most people gatekeep this stuff.
The fee math always surprises people when you actually do it out.
The psychology of money matters as much as the math.
Real talk: most people can't stick to this when it gets hard.
How did this perform during the 2022 drawdown?
How did this perform during the 2022 drawdown?
What catalyst are you watching for?
Appreciate you sharing the L's too. Most people only post wins.
FIRE community is the most underrated corner of personal finance.
This is a solid framework. Saving this post.
Any thoughts on doing this in a taxable account?
Appreciate the transparency here. Most people gatekeep this stuff.
Good luck! Keep us updated.
Curious about the rebalancing approach. Annual or threshold-based?
Counterpoint: what happens if rates stay elevated longer?
Great post, thanks for sharing this.
What's your thoughts on the downside risk here?
The math here is solid. This is what people miss.
The exit strategy is what most people don't think about.
The fee math always surprises people when you actually do it out.
Love the transparency. This community needs more of this.
This is a masterclass. Bookmarked.
Counterpoint: what happens if rates stay elevated longer?
The international allocation debate never gets old.
Appreciate the transparency here. Most people gatekeep this stuff.
Love the transparency. This community needs more of this.
Counterintuitively, the best time to buy is when you're most scared.
Good luck! Keep us updated.
Real talk: most people can't stick to this when it gets hard.
FIRE community is the most underrated corner of personal finance.
The international allocation debate never gets old.
Interesting perspective. I see it differently — happy to elaborate.
Love the transparency. This community needs more of this.
Appreciate you sharing the L's too. Most people only post wins.
What's your target withdrawal rate in retirement?
Interesting perspective. I see it differently — happy to elaborate.
This is the post I needed. Exactly my situation.
I respectfully disagree. The data suggests otherwise.
What's your thoughts on the downside risk here?
Good luck! Keep us updated.
Done similar analysis. Your numbers check out.
I've been burned by this before. Your caution is warranted.
What catalyst are you watching for?
How long have you been doing this? Impressive numbers.
Have you modeled different interest rate scenarios?
Great post, thanks for sharing this.
The compounding at year 20+ is when it gets really wild.
The behavioral aspect of investing is so underrated.
This is a solid framework. Saving this post.
I respectfully disagree. The data suggests otherwise.
What catalyst are you watching for?
The compounding at year 20+ is when it gets really wild.
I was skeptical at first but this changed my mind.
What brokerage are you using for this?
Fees really do compound in the wrong direction.
Have you modeled different interest rate scenarios?
I've been thinking about this too. What's your time horizon?
Not financial advice but I'm doing the exact same thing.
This is the way.
This is essentially what a financial advisor charges $5k to tell you.
What brokerage are you using for this?
Mind sharing your full allocation?
How does this compare to just buying VTI and forgetting about it?
This is why I come to this community. Real numbers, real analysis.
The psychology of money matters as much as the math.
The exit strategy is what most people don't think about.
This is a solid framework. Saving this post.
Fees really do compound in the wrong direction.
Appreciate the transparency here. Most people gatekeep this stuff.
Mind sharing your full allocation?
How did this perform during the 2022 drawdown?
The math here is solid. This is what people miss.
I respectfully disagree. The data suggests otherwise.
Curious about the rebalancing approach. Annual or threshold-based?
This is why I come to this community. Real numbers, real analysis.
The math here is solid. This is what people miss.
I've been burned by this before. Your caution is warranted.
What brokerage are you using for this?
How does this compare to just buying VTI and forgetting about it?
Any thoughts on doing this in a taxable account?
This is why I come to this community. Real numbers, real analysis.
Fees really do compound in the wrong direction.
Been saying this for years. Nice to see it laid out clearly.
Have you stress tested this against a 40% drawdown?
Mind sharing your full allocation?
I was skeptical at first but this changed my mind.
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