Roth vs traditional — how I model the decision
International allocation debate: I landed at 30% after reading the research. Yes, US has dominated for 15 years. No, that doesn't mean it will continue. Diversification is free insurance.
43 Comments
This is exactly what I needed to read today.
The exit strategy is what most people don't think about.
Real talk: most people can't stick to this when it gets hard.
Not financial advice but I'm doing the exact same thing.
What's your target withdrawal rate in retirement?
Any thoughts on doing this in a taxable account?
Counterpoint: what happens if rates stay elevated longer?
This is a solid framework. Saving this post.
The math here is solid. This is what people miss.
This is the way.
I've been burned by this before. Your caution is warranted.
This is a solid framework. Saving this post.
Have you stress tested this against a 40% drawdown?
Counterpoint: what happens if rates stay elevated longer?
What catalyst are you watching for?
Have you modeled different interest rate scenarios?
This is exactly what I needed to read today.
How long have you been doing this? Impressive numbers.
I've been burned by this before. Your caution is warranted.
The behavioral aspect of investing is so underrated.
This is essentially what a financial advisor charges $5k to tell you.
Counterintuitively, the best time to buy is when you're most scared.
Be careful about survivorship bias in this analysis.
I've been burned by this before. Your caution is warranted.
What's your target withdrawal rate in retirement?
Fees really do compound in the wrong direction.
What brokerage are you using for this?
This is either genius or the most expensive lesson of your life.
What brokerage are you using for this?
What's your thoughts on the downside risk here?
Appreciate the transparency here. Most people gatekeep this stuff.
FIRE community is the most underrated corner of personal finance.
Good luck! Keep us updated.
Good luck! Keep us updated.
The behavioral aspect of investing is so underrated.
Fees really do compound in the wrong direction.
This is a masterclass. Bookmarked.
Counterpoint: what happens if rates stay elevated longer?
I've been burned by this before. Your caution is warranted.
Mind sharing your full allocation?
How did this perform during the 2022 drawdown?
Have you stress tested this against a 40% drawdown?
Appreciate you sharing the L's too. Most people only post wins.
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