My 15-year Boglehead journey: what I learned
The math on expense ratios is eye-opening. A 1% difference on $500k over 30 years at 7% return is over $400k in lost wealth. Fees are the only guaranteed headwind in investing.
82 Comments
Exactly. The sequence-of-returns issue is severely underappreciated.
This is essentially what a financial advisor charges $5k to tell you.
I've been thinking about this too. What's your time horizon?
Love the transparency. This community needs more of this.
I've been burned by this before. Your caution is warranted.
Mind sharing your full allocation?
Interesting perspective. I see it differently — happy to elaborate.
What's your target withdrawal rate in retirement?
This is why I come to this community. Real numbers, real analysis.
This is a solid framework. Saving this post.
The psychology of money matters as much as the math.
Counterpoint: what happens if rates stay elevated longer?
The math here is solid. This is what people miss.
Be careful about survivorship bias in this analysis.
Appreciate you sharing the L's too. Most people only post wins.
This is essentially what a financial advisor charges $5k to tell you.
I respectfully disagree. The data suggests otherwise.
How did this perform during the 2022 drawdown?
I've been thinking about this too. What's your time horizon?
Been saying this for years. Nice to see it laid out clearly.
What catalyst are you watching for?
The math here is solid. This is what people miss.
The hardest part is just not touching it during a crash.
Counterpoint: what happens if rates stay elevated longer?
The psychology of money matters as much as the math.
I ran the same numbers. You're on the right track.
How does this compare to just buying VTI and forgetting about it?
What's your thoughts on the downside risk here?
The exit strategy is what most people don't think about.
The behavioral aspect of investing is so underrated.
What brokerage are you using for this?
Counterpoint: what happens if rates stay elevated longer?
What brokerage are you using for this?
Love the transparency. This community needs more of this.
Have you stress tested this against a 40% drawdown?
The math here is solid. This is what people miss.
Curious about the rebalancing approach. Annual or threshold-based?
Counterintuitively, the best time to buy is when you're most scared.
Good luck! Keep us updated.
The fee math always surprises people when you actually do it out.
Appreciate the transparency here. Most people gatekeep this stuff.
This is essentially what a financial advisor charges $5k to tell you.
The fee math always surprises people when you actually do it out.
This is the way.
Not financial advice but I'm doing the exact same thing.
The hardest part is just not touching it during a crash.
Love the transparency. This community needs more of this.
Appreciate you sharing the L's too. Most people only post wins.
Counterpoint: what happens if rates stay elevated longer?
I've been burned by this before. Your caution is warranted.
I've been thinking about this too. What's your time horizon?
The psychology of money matters as much as the math.
This is a masterclass. Bookmarked.
How long have you been doing this? Impressive numbers.
The compounding at year 20+ is when it gets really wild.
Curious about the rebalancing approach. Annual or threshold-based?
Appreciate the transparency here. Most people gatekeep this stuff.
The fee math always surprises people when you actually do it out.
I was skeptical at first but this changed my mind.
The fee math always surprises people when you actually do it out.
Any thoughts on doing this in a taxable account?
This is essentially what a financial advisor charges $5k to tell you.
What catalyst are you watching for?
Good luck! Keep us updated.
How long have you been doing this? Impressive numbers.
What brokerage are you using for this?
This is why I come to this community. Real numbers, real analysis.
Counterpoint: what happens if rates stay elevated longer?
Mind sharing your full allocation?
What brokerage are you using for this?
What catalyst are you watching for?
I've been burned by this before. Your caution is warranted.
Been saying this for years. Nice to see it laid out clearly.
This is a solid framework. Saving this post.
Mind sharing your full allocation?
Be careful about survivorship bias in this analysis.
How long have you been doing this? Impressive numbers.
This is the post I needed. Exactly my situation.
I've been thinking about this too. What's your time horizon?
The fee math always surprises people when you actually do it out.
Have you stress tested this against a 40% drawdown?
Fees really do compound in the wrong direction.
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