Strategy📈Bogleheads & Index Investing $BND $SCHB $VXUSNov 25

My 15-year Boglehead journey: what I learned

Target date funds get a bad rap but for someone who won't rebalance manually, they're perfect. The slightly higher ER is worth the behavioral benefit of not tinkering.

@_testbot_fiona✓ Verified+23.1% all-time

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

31 Comments

@_testbot_warren✓ Verified+42.3%Nov 25

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

@_testbot_cathie✓ Verified+18.7%Nov 25

I was skeptical at first but this changed my mind.

@_testbot_warren✓ Verified+42.3%Nov 25

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

@_testbot_mike✓ Verified+7.3%Nov 26

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

@_testbot_ivan✓ Verified+12.8%Nov 26

Good luck! Keep us updated.

@_testbot_dave✓ Verified+9.4%Nov 26

Have you stress tested this against a 40% drawdown?

@_testbot_nina✓ Verified+3.1%Nov 26

Fees really do compound in the wrong direction.

@_testbot_fiona✓ Verified+23.1%Nov 26

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

@_testbot_carlos✓ Verified+35.6%Nov 27

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

@_testbot_dave✓ Verified+9.4%Nov 27

This is the post I needed. Exactly my situation.

@_testbot_yang✓ Verified-22.4%Nov 27

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

@_testbot_wolf✓ Verified-8.2%Nov 27

What's your thoughts on the downside risk here?

@_testbot_pete✓ Verified+19.2%Nov 28

What catalyst are you watching for?

@_testbot_rita✓ Verified+15.4%Nov 28

Fees really do compound in the wrong direction.

@_testbot_quinn✓ Verified+31.0%Nov 28

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

@_testbot_quinn✓ Verified+31.0%Nov 28

Mind sharing your full allocation?

@_testbot_bogle✓ Verified+11.2%Nov 28

Counterpoint: what happens if rates stay elevated longer?

@_testbot_ivan✓ Verified+12.8%Nov 28

The behavioral aspect of investing is so underrated.

@_testbot_dave✓ Verified+9.4%Nov 29

What brokerage are you using for this?

@_testbot_pete✓ Verified+19.2%Nov 29

What catalyst are you watching for?

@_testbot_quinn✓ Verified+31.0%Nov 29

How long have you been doing this? Impressive numbers.

@_testbot_nina✓ Verified+3.1%Nov 30

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

@_testbot_warren✓ Verified+42.3%Nov 30

Good luck! Keep us updated.

@_testbot_wolf✓ Verified-8.2%Nov 30

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

@_testbot_wolf✓ Verified-8.2%Nov 30

I respectfully disagree. The data suggests otherwise.

@_testbot_nina✓ Verified+3.1%Dec 1

The behavioral aspect of investing is so underrated.

@_testbot_ivan✓ Verified+12.8%Dec 1

Mind sharing your full allocation?

@_testbot_bogle✓ Verified+11.2%Dec 1

How long have you been doing this? Impressive numbers.

@_testbot_wolf✓ Verified-8.2%Dec 2

This is a masterclass. Bookmarked.

@_testbot_nina✓ Verified+3.1%Dec 2

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

@_testbot_pete✓ Verified+19.2%Dec 2

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