RMD planning: strategies I'm using before 73
Sequence of returns risk: two portfolios, same 30-year average return. Bad returns in years 1-5 vs 26-30. Portfolio A runs out of money. Portfolio B doesn't. Same average, different outcomes.
40 Comments
Not financial advice but I'm doing the exact same thing.
Any thoughts on doing this in a taxable account?
This is essentially what a financial advisor charges $5k to tell you.
The behavioral aspect of investing is so underrated.
I was skeptical at first but this changed my mind.
The exit strategy is what most people don't think about.
The fee math always surprises people when you actually do it out.
Good luck! Keep us updated.
I've been thinking about this too. What's your time horizon?
The behavioral aspect of investing is so underrated.
Fees really do compound in the wrong direction.
Mind sharing your full allocation?
Interesting perspective. I see it differently — happy to elaborate.
FIRE community is the most underrated corner of personal finance.
I ran the same numbers. You're on the right track.
I ran the same numbers. You're on the right track.
I've been thinking about this too. What's your time horizon?
Counterpoint: what happens if rates stay elevated longer?
What's your target withdrawal rate in retirement?
Appreciate you sharing the L's too. Most people only post wins.
I was skeptical at first but this changed my mind.
The hardest part is just not touching it during a crash.
Appreciate the transparency here. Most people gatekeep this stuff.
This is exactly what I needed to read today.
Great post, thanks for sharing this.
What's your target withdrawal rate in retirement?
The psychology of money matters as much as the math.
Great post, thanks for sharing this.
I've been thinking about this too. What's your time horizon?
This is either genius or the most expensive lesson of your life.
Been saying this for years. Nice to see it laid out clearly.
Love the transparency. This community needs more of this.
The behavioral aspect of investing is so underrated.
Have you modeled different interest rate scenarios?
Be careful about survivorship bias in this analysis.
The hardest part is just not touching it during a crash.
The hardest part is just not touching it during a crash.
This is exactly what I needed to read today.
The behavioral aspect of investing is so underrated.
Not financial advice but I'm doing the exact same thing.
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