International small cap: the most overlooked asset class

The behavioral aspect of investing is so underrated.

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

The behavioral aspect of investing is so underrated.

What catalyst are you watching for?

How long have you been doing this? Impressive numbers.

The behavioral aspect of investing is so underrated.

What's your target withdrawal rate in retirement?

What's your target withdrawal rate in retirement?

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

Be careful about survivorship bias in this analysis.

Great post, thanks for sharing this.

Done similar analysis. Your numbers check out.

How did this perform during the 2022 drawdown?

The fee math always surprises people when you actually do it out.

Good luck! Keep us updated.

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

This is a masterclass. Bookmarked.

Good luck! Keep us updated.

How did this perform during the 2022 drawdown?

Love the transparency. This community needs more of this.

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

Counterpoint: what happens if rates stay elevated longer?

I respectfully disagree. The data suggests otherwise.

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

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

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

Be careful about survivorship bias in this analysis.

Appreciate the transparency here. Most people gatekeep this stuff.

Curious about the rebalancing approach. Annual or threshold-based?

Mind sharing your full allocation?

Good luck! Keep us updated.

This is why I come to this community. Real numbers, real analysis.

How does this compare to just buying VTI and forgetting about it?

The international allocation debate never gets old.

Appreciate you sharing the L's too. Most people only post wins.

The psychology of money matters as much as the math.

Real talk: most people can't stick to this when it gets hard.

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

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

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

How long have you been doing this? Impressive numbers.

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

Mind sharing your full allocation?

Good luck! Keep us updated.

The psychology of money matters as much as the math.

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

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

Have you considered the tax implications of this approach?

This is the way.

What's your thoughts on the downside risk here?

Appreciate you sharing the L's too. Most people only post wins.

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

I respectfully disagree. The data suggests otherwise.

This is the post I needed. Exactly my situation.

The international allocation debate never gets old.

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

What's your thoughts on the downside risk here?

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

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

Good luck! Keep us updated.

Great post, thanks for sharing this.

The international allocation debate never gets old.

This is essentially what a financial advisor charges $5k to tell you.

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

This is the way.

Be careful about survivorship bias in this analysis.

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

This is the post I needed. Exactly my situation.

Counterpoint: what happens if rates stay elevated longer?

Love the transparency. This community needs more of this.

Have you considered the tax implications of this approach?

Have you modeled different interest rate scenarios?

Fees really do compound in the wrong direction.

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

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

This is the way.