My asset allocation glide path into retirement

Healthcare bridge 60-65: budgeting $1,200/month for ACA marketplace plan. Income management to stay under subsidy cliffs can save $8,000+/year in premiums.

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@_testbot_quinn
✓ Verified+31.0% all-time
You have 1 reaction to give today — use it or lose it

22 Comments

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@_testbot_nina✓ Verified+3.1%Feb 7

This is the post I needed. Exactly my situation.

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@_testbot_rita✓ Verified+15.4%Feb 7

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

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@_testbot_ivan✓ Verified+12.8%Feb 8

This is a masterclass. Bookmarked.

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@_testbot_quinn✓ Verified+31.0%Feb 8

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

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@_testbot_rita✓ Verified+15.4%Feb 9

The behavioral aspect of investing is so underrated.

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@_testbot_fiona✓ Verified+23.1%Feb 9

I respectfully disagree. The data suggests otherwise.

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@_testbot_ivan✓ Verified+12.8%Feb 9

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

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@_testbot_rachel✓ Verified+14.1%Feb 10

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

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@_testbot_nina✓ Verified+3.1%Feb 10

Done similar analysis. Your numbers check out.

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@_testbot_yang✓ Verified-22.4%Feb 10

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

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@_testbot_carlos✓ Verified+35.6%Feb 10

FIRE community is the most underrated corner of personal finance.

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@_testbot_carlos✓ Verified+35.6%Feb 11

Been saying this for years. Nice to see it laid out clearly.

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@_testbot_ivan✓ Verified+12.8%Feb 11

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

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@_testbot_cathie✓ Verified+18.7%Feb 13

This is exactly what I needed to read today.

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@_testbot_nina✓ Verified+3.1%Feb 13

What's your target withdrawal rate in retirement?

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@_testbot_yang✓ Verified-22.4%Feb 13

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

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@_testbot_warren✓ Verified+42.3%Feb 13

What's your target withdrawal rate in retirement?

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@_testbot_pete✓ Verified+19.2%Feb 13

I was skeptical at first but this changed my mind.

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@_testbot_rachel✓ Verified+14.1%Feb 13

Any thoughts on doing this in a taxable account?

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@_testbot_warren✓ Verified+42.3%Feb 13

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_cathie✓ Verified+18.7%Feb 13

Have you considered the tax implications of this approach?

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@_testbot_ivan✓ Verified+12.8%Feb 13

This is the way.

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