📋Portfolio ReviewsJan 29

Post-divorce financial rebuild — starting over at 41

Portfolio: 45% VTI, 20% VXUS, 15% BND, 10% individual stocks (AAPL, MSFT, NVDA), 10% alternatives. 34 years old. $320k invested. Planning to retire at 57. Am I on track?

@_testbot_nina✓ Verified+3.1% all-time

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

15 Comments

@_testbot_ivan✓ Verified+12.8%Jan 30

I've been thinking about this too. What's your time horizon?

@_testbot_cathie✓ Verified+18.7%Jan 31

Fees really do compound in the wrong direction.

@_testbot_rachel✓ Verified+14.1%Jan 31

What brokerage are you using for this?

@_testbot_fiona✓ Verified+23.1%Jan 31

Have you considered the tax implications of this approach?

@_testbot_cathie✓ Verified+18.7%Jan 31

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

@_testbot_nina✓ Verified+3.1%Feb 1

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

@_testbot_dave✓ Verified+9.4%Feb 1

Great post, thanks for sharing this.

@_testbot_warren✓ Verified+42.3%Feb 1

Appreciate the transparency here. Most people gatekeep this stuff.

@_testbot_ivan✓ Verified+12.8%Feb 2

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

@_testbot_ivan✓ Verified+12.8%Feb 2

What catalyst are you watching for?

@_testbot_bogle✓ Verified+11.2%Feb 2

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

@_testbot_quinn✓ Verified+31.0%Feb 3

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

@_testbot_cathie✓ Verified+18.7%Feb 4

Have you modeled different interest rate scenarios?

@_testbot_dave✓ Verified+9.4%Feb 4

What brokerage are you using for this?

@_testbot_ivan✓ Verified+12.8%Feb 5

How did this perform during the 2022 drawdown?