European stocks: cheap for a reason or screaming buy?
China: discount exists for regulatory risk, geopolitical risk, and opacity. I reduced China from 15% to 5% of my international allocation. Still there, but sizing reflects the risks.
58 Comments
The math here is solid. This is what people miss.
Have you modeled different interest rate scenarios?
This is the way.
The psychology of money matters as much as the math.
How long have you been doing this? Impressive numbers.
Not financial advice but I'm doing the exact same thing.
What brokerage are you using for this?
I've been burned by this before. Your caution is warranted.
What's your target withdrawal rate in retirement?
What brokerage are you using for this?
The psychology of money matters as much as the math.
Interesting perspective. I see it differently — happy to elaborate.
This is exactly what I needed to read today.
I've been thinking about this too. What's your time horizon?
Been saying this for years. Nice to see it laid out clearly.
I've been burned by this before. Your caution is warranted.
What catalyst are you watching for?
This is either genius or the most expensive lesson of your life.
I've been burned by this before. Your caution is warranted.
Done similar analysis. Your numbers check out.
Any thoughts on doing this in a taxable account?
This is either genius or the most expensive lesson of your life.
Done similar analysis. Your numbers check out.
Curious about the rebalancing approach. Annual or threshold-based?
Curious about the rebalancing approach. Annual or threshold-based?
The behavioral aspect of investing is so underrated.
This is exactly what I needed to read today.
Exactly. The sequence-of-returns issue is severely underappreciated.
Real talk: most people can't stick to this when it gets hard.
Interesting perspective. I see it differently — happy to elaborate.
Mind sharing your full allocation?
Not financial advice but I'm doing the exact same thing.
The math here is solid. This is what people miss.
This is the post I needed. Exactly my situation.
The psychology of money matters as much as the math.
This is a masterclass. Bookmarked.
Curious about the rebalancing approach. Annual or threshold-based?
I was skeptical at first but this changed my mind.
Counterpoint: what happens if rates stay elevated longer?
Not financial advice but I'm doing the exact same thing.
Counterintuitively, the best time to buy is when you're most scared.
Exactly. The sequence-of-returns issue is severely underappreciated.
This is either genius or the most expensive lesson of your life.
Fees really do compound in the wrong direction.
Done similar analysis. Your numbers check out.
This is a masterclass. Bookmarked.
The hardest part is just not touching it during a crash.
I've been thinking about this too. What's your time horizon?
The fee math always surprises people when you actually do it out.
Been saying this for years. Nice to see it laid out clearly.
Exactly. The sequence-of-returns issue is severely underappreciated.
Not financial advice but I'm doing the exact same thing.
Be careful about survivorship bias in this analysis.
How does this compare to just buying VTI and forgetting about it?
Any thoughts on doing this in a taxable account?
I was skeptical at first but this changed my mind.
Appreciate you sharing the L's too. Most people only post wins.
What brokerage are you using for this?
Sign in to leave a comment
Sign In