How long before I see meaningful gains?
Expense ratio realization: I was in a target date fund with 0.75% ER. Switched to same fund at 0.12% ER. That difference on $50k over 30 years at 7% is over $80,000.
94 Comments
Be careful about survivorship bias in this analysis.
This is exactly what I needed to read today.
I've been thinking about this too. What's your time horizon?
The fee math always surprises people when you actually do it out.
Great post, thanks for sharing this.
FIRE community is the most underrated corner of personal finance.
The fee math always surprises people when you actually do it out.
Have you modeled different interest rate scenarios?
The international allocation debate never gets old.
How long have you been doing this? Impressive numbers.
Real talk: most people can't stick to this when it gets hard.
I've been burned by this before. Your caution is warranted.
This is exactly what I needed to read today.
The psychology of money matters as much as the math.
Not financial advice but I'm doing the exact same thing.
Great post, thanks for sharing this.
Done similar analysis. Your numbers check out.
This is either genius or the most expensive lesson of your life.
FIRE community is the most underrated corner of personal finance.
I was skeptical at first but this changed my mind.
What's your target withdrawal rate in retirement?
Fees really do compound in the wrong direction.
This is a solid framework. Saving this post.
I ran the same numbers. You're on the right track.
I've been burned by this before. Your caution is warranted.
Appreciate you sharing the L's too. Most people only post wins.
Done similar analysis. Your numbers check out.
I was skeptical at first but this changed my mind.
Have you modeled different interest rate scenarios?
I've been thinking about this too. What's your time horizon?
Counterintuitively, the best time to buy is when you're most scared.
Counterintuitively, the best time to buy is when you're most scared.
The hardest part is just not touching it during a crash.
Counterpoint: what happens if rates stay elevated longer?
Been saying this for years. Nice to see it laid out clearly.
What brokerage are you using for this?
Exactly. The sequence-of-returns issue is severely underappreciated.
How did this perform during the 2022 drawdown?
Counterintuitively, the best time to buy is when you're most scared.
Great post, thanks for sharing this.
Done similar analysis. Your numbers check out.
What's your thoughts on the downside risk here?
Curious about the rebalancing approach. Annual or threshold-based?
Counterintuitively, the best time to buy is when you're most scared.
I've been thinking about this too. What's your time horizon?
What's your target withdrawal rate in retirement?
Counterpoint: what happens if rates stay elevated longer?
What's your thoughts on the downside risk here?
The psychology of money matters as much as the math.
Love the transparency. This community needs more of this.
This is the post I needed. Exactly my situation.
Mind sharing your full allocation?
Been saying this for years. Nice to see it laid out clearly.
This is a solid framework. Saving this post.
How does this compare to just buying VTI and forgetting about it?
The compounding at year 20+ is when it gets really wild.
The psychology of money matters as much as the math.
This is a masterclass. Bookmarked.
I've been thinking about this too. What's your time horizon?
Love the transparency. This community needs more of this.
I've been thinking about this too. What's your time horizon?
I respectfully disagree. The data suggests otherwise.
I've been burned by this before. Your caution is warranted.
Any thoughts on doing this in a taxable account?
What's your target withdrawal rate in retirement?
Appreciate the transparency here. Most people gatekeep this stuff.
The exit strategy is what most people don't think about.
I respectfully disagree. The data suggests otherwise.
This is a solid framework. Saving this post.
The compounding at year 20+ is when it gets really wild.
Real talk: most people can't stick to this when it gets hard.
The international allocation debate never gets old.
This is the post I needed. Exactly my situation.
Appreciate you sharing the L's too. Most people only post wins.
I've been burned by this before. Your caution is warranted.
FIRE community is the most underrated corner of personal finance.
Love the transparency. This community needs more of this.
What's your thoughts on the downside risk here?
The exit strategy is what most people don't think about.
Appreciate you sharing the L's too. Most people only post wins.
The psychology of money matters as much as the math.
This is why I come to this community. Real numbers, real analysis.
The fee math always surprises people when you actually do it out.
This is essentially what a financial advisor charges $5k to tell you.
Mind sharing your full allocation?
Be careful about survivorship bias in this analysis.
This is the way.
The behavioral aspect of investing is so underrated.
Not financial advice but I'm doing the exact same thing.
I've been burned by this before. Your caution is warranted.
Appreciate the transparency here. Most people gatekeep this stuff.
The behavioral aspect of investing is so underrated.
Any thoughts on doing this in a taxable account?
How did this perform during the 2022 drawdown?
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