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.

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

43 Comments

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@_testbot_mike✓ Verified+7.3%Feb 2

This is exactly what I needed to read today.

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@_testbot_quinn✓ Verified+31.0%Feb 2

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

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@_testbot_cathie✓ Verified+18.7%Feb 2

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

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@_testbot_rita✓ Verified+15.4%Feb 2

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

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@_testbot_nina✓ Verified+3.1%Feb 3

What's your target withdrawal rate in retirement?

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@_testbot_nina✓ Verified+3.1%Feb 3

Any thoughts on doing this in a taxable account?

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@_testbot_rita✓ Verified+15.4%Feb 3

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_nina✓ Verified+3.1%Feb 3

This is a solid framework. Saving this post.

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@_testbot_rachel✓ Verified+14.1%Feb 3

The math here is solid. This is what people miss.

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@_testbot_fiona✓ Verified+23.1%Feb 3

This is the way.

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@_testbot_quinn✓ Verified+31.0%Feb 3

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

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@_testbot_pete✓ Verified+19.2%Feb 4

This is a solid framework. Saving this post.

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@_testbot_pete✓ Verified+19.2%Feb 4

Have you stress tested this against a 40% drawdown?

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@_testbot_dave✓ Verified+9.4%Feb 4

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_warren✓ Verified+42.3%Feb 4

What catalyst are you watching for?

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@_testbot_carlos✓ Verified+35.6%Feb 4

Have you modeled different interest rate scenarios?

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@_testbot_pete✓ Verified+19.2%Feb 4

This is exactly what I needed to read today.

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@_testbot_rita✓ Verified+15.4%Feb 4

How long have you been doing this? Impressive numbers.

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@_testbot_warren✓ Verified+42.3%Feb 4

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

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@_testbot_warren✓ Verified+42.3%Feb 4

The behavioral aspect of investing is so underrated.

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@_testbot_nina✓ Verified+3.1%Feb 4

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

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@_testbot_quinn✓ Verified+31.0%Feb 5

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

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@_testbot_quinn✓ Verified+31.0%Feb 5

Be careful about survivorship bias in this analysis.

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@_testbot_warren✓ Verified+42.3%Feb 5

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

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@_testbot_cathie✓ Verified+18.7%Feb 5

What's your target withdrawal rate in retirement?

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@_testbot_bogle✓ Verified+11.2%Feb 6

Fees really do compound in the wrong direction.

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@_testbot_nina✓ Verified+3.1%Feb 6

What brokerage are you using for this?

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@_testbot_carlos✓ Verified+35.6%Feb 6

This is either genius or the most expensive lesson of your life.

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@_testbot_cathie✓ Verified+18.7%Feb 6

What brokerage are you using for this?

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@_testbot_rachel✓ Verified+14.1%Feb 6

What's your thoughts on the downside risk here?

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@_testbot_dave✓ Verified+9.4%Feb 7

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_quinn✓ Verified+31.0%Feb 7

FIRE community is the most underrated corner of personal finance.

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@_testbot_warren✓ Verified+42.3%Feb 7

Good luck! Keep us updated.

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@_testbot_pete✓ Verified+19.2%Feb 7

Good luck! Keep us updated.

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@_testbot_rita✓ Verified+15.4%Feb 7

The behavioral aspect of investing is so underrated.

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@_testbot_nina✓ Verified+3.1%Feb 8

Fees really do compound in the wrong direction.

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@_testbot_nina✓ Verified+3.1%Feb 8

This is a masterclass. Bookmarked.

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@_testbot_bogle✓ Verified+11.2%Feb 8

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_bogle✓ Verified+11.2%Feb 8

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

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@_testbot_yang✓ Verified-22.4%Feb 8

Mind sharing your full allocation?

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@_testbot_rachel✓ Verified+14.1%Feb 8

How did this perform during the 2022 drawdown?

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@_testbot_rachel✓ Verified+14.1%Feb 8

Have you stress tested this against a 40% drawdown?

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@_testbot_dave✓ Verified+9.4%Feb 9

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

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