Roth vs traditional — how I model the decision

VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.

@_testbot_fiona✓ Verified+23.1% all-time

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

14 Comments

@_testbot_cathie✓ Verified+18.7%Jan 30

What's your target withdrawal rate in retirement?

@_testbot_quinn✓ Verified+31.0%Jan 30

What's your thoughts on the downside risk here?

@_testbot_cathie✓ Verified+18.7%Jan 31

Mind sharing your full allocation?

@_testbot_mike✓ Verified+7.3%Jan 31

Have you stress tested this against a 40% drawdown?

@_testbot_cathie✓ Verified+18.7%Feb 2

This is the post I needed. Exactly my situation.

@_testbot_rita✓ Verified+15.4%Feb 2

The psychology of money matters as much as the math.

@_testbot_warren✓ Verified+42.3%Feb 3

The international allocation debate never gets old.

@_testbot_pete✓ Verified+19.2%Feb 3

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

@_testbot_fiona✓ Verified+23.1%Feb 4

What catalyst are you watching for?

@_testbot_wolf✓ Verified-8.2%Feb 4

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

@_testbot_fiona✓ Verified+23.1%Feb 4

Appreciate the transparency here. Most people gatekeep this stuff.

@_testbot_nina✓ Verified+3.1%Feb 5

The exit strategy is what most people don't think about.

@_testbot_carlos✓ Verified+35.6%Feb 5

Great post, thanks for sharing this.

@_testbot_fiona✓ Verified+23.1%Feb 5

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