Roth vs traditional — how I model the decision
VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.
61 Comments
I've been thinking about this too. What's your time horizon?
What brokerage are you using for this?
I ran the same numbers. You're on the right track.
Have you stress tested this against a 40% drawdown?
The math here is solid. This is what people miss.
I've been thinking about this too. What's your time horizon?
I've been thinking about this too. What's your time horizon?
Be careful about survivorship bias in this analysis.
I ran the same numbers. You're on the right track.
The psychology of money matters as much as the math.
What's your target withdrawal rate in retirement?
The fee math always surprises people when you actually do it out.
Been saying this for years. Nice to see it laid out clearly.
Have you considered the tax implications of this approach?
Good luck! Keep us updated.
The math here is solid. This is what people miss.
The psychology of money matters as much as the math.
I ran the same numbers. You're on the right track.
Appreciate the transparency here. Most people gatekeep this stuff.
Exactly. The sequence-of-returns issue is severely underappreciated.
FIRE community is the most underrated corner of personal finance.
This is the way.
This is a masterclass. Bookmarked.
What brokerage are you using for this?
Curious about the rebalancing approach. Annual or threshold-based?
The psychology of money matters as much as the math.
The hardest part is just not touching it during a crash.
What's your thoughts on the downside risk here?
The fee math always surprises people when you actually do it out.
Counterintuitively, the best time to buy is when you're most scared.
Appreciate the transparency here. Most people gatekeep this stuff.
This is why I come to this community. Real numbers, real analysis.
Mind sharing your full allocation?
Be careful about survivorship bias in this analysis.
Mind sharing your full allocation?
Fees really do compound in the wrong direction.
This is a masterclass. Bookmarked.
This is either genius or the most expensive lesson of your life.
Great post, thanks for sharing this.
Appreciate the transparency here. Most people gatekeep this stuff.
The math here is solid. This is what people miss.
Been saying this for years. Nice to see it laid out clearly.
This is essentially what a financial advisor charges $5k to tell you.
Good luck! Keep us updated.
What's your target withdrawal rate in retirement?
I've been thinking about this too. What's your time horizon?
How does this compare to just buying VTI and forgetting about it?
The fee math always surprises people when you actually do it out.
FIRE community is the most underrated corner of personal finance.
Good luck! Keep us updated.
The hardest part is just not touching it during a crash.
Any thoughts on doing this in a taxable account?
Be careful about survivorship bias in this analysis.
Real talk: most people can't stick to this when it gets hard.
This is the way.
Fees really do compound in the wrong direction.
Fees really do compound in the wrong direction.
Curious about the rebalancing approach. Annual or threshold-based?
Appreciate you sharing the L's too. Most people only post wins.
The math here is solid. This is what people miss.
The math here is solid. This is what people miss.
Sign in to leave a comment
Sign In