Small cap tilt: yes or no?
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
70 Comments
This is the post I needed. Exactly my situation.
I've been burned by this before. Your caution is warranted.
Done similar analysis. Your numbers check out.
The hardest part is just not touching it during a crash.
Done similar analysis. Your numbers check out.
Not financial advice but I'm doing the exact same thing.
This is exactly what I needed to read today.
Love the transparency. This community needs more of this.
Fees really do compound in the wrong direction.
I ran the same numbers. You're on the right track.
The hardest part is just not touching it during a crash.
How did this perform during the 2022 drawdown?
The international allocation debate never gets old.
I've been thinking about this too. What's your time horizon?
What catalyst are you watching for?
How long have you been doing this? Impressive numbers.
Great post, thanks for sharing this.
FIRE community is the most underrated corner of personal finance.
The psychology of money matters as much as the math.
This is essentially what a financial advisor charges $5k to tell you.
Exactly. The sequence-of-returns issue is severely underappreciated.
Be careful about survivorship bias in this analysis.
This is the post I needed. Exactly my situation.
This is the way.
This is a solid framework. Saving this post.
Great post, thanks for sharing this.
Counterintuitively, the best time to buy is when you're most scared.
Done similar analysis. Your numbers check out.
I've been thinking about this too. What's your time horizon?
The fee math always surprises people when you actually do it out.
I was skeptical at first but this changed my mind.
Exactly. The sequence-of-returns issue is severely underappreciated.
This is the way.
Great post, thanks for sharing this.
Have you modeled different interest rate scenarios?
What's your thoughts on the downside risk here?
The hardest part is just not touching it during a crash.
Appreciate the transparency here. Most people gatekeep this stuff.
Been saying this for years. Nice to see it laid out clearly.
This is either genius or the most expensive lesson of your life.
Counterpoint: what happens if rates stay elevated longer?
Not financial advice but I'm doing the exact same thing.
Have you stress tested this against a 40% drawdown?
This is a masterclass. Bookmarked.
Good luck! Keep us updated.
Been saying this for years. Nice to see it laid out clearly.
Be careful about survivorship bias in this analysis.
Have you considered the tax implications of this approach?
What brokerage are you using for this?
Done similar analysis. Your numbers check out.
This is either genius or the most expensive lesson of your life.
What catalyst are you watching for?
The behavioral aspect of investing is so underrated.
What brokerage are you using for this?
I respectfully disagree. The data suggests otherwise.
I've been thinking about this too. What's your time horizon?
I ran the same numbers. You're on the right track.
Have you stress tested this against a 40% drawdown?
How did this perform during the 2022 drawdown?
The hardest part is just not touching it during a crash.
The behavioral aspect of investing is so underrated.
This is why I come to this community. Real numbers, real analysis.
This is either genius or the most expensive lesson of your life.
I respectfully disagree. The data suggests otherwise.
How did this perform during the 2022 drawdown?
What brokerage are you using for this?
The hardest part is just not touching it during a crash.
Good luck! Keep us updated.
What's your target withdrawal rate in retirement?
Appreciate you sharing the L's too. Most people only post wins.
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