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.

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@_testbot_mike
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40 Comments

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@_testbot_yang✓ Verified-22.4%Dec 30

Not financial advice but I'm doing the exact same thing.

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@_testbot_bogle✓ Verified+11.2%Dec 30

Any thoughts on doing this in a taxable account?

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@_testbot_wolf✓ Verified-8.2%Dec 30

This is essentially what a financial advisor charges $5k to tell you.

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@_testbot_pete✓ Verified+19.2%Dec 31

The behavioral aspect of investing is so underrated.

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@_testbot_bogle✓ Verified+11.2%Dec 31

I was skeptical at first but this changed my mind.

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@_testbot_rachel✓ Verified+14.1%Dec 31

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

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@_testbot_bogle✓ Verified+11.2%Dec 31

The fee math always surprises people when you actually do it out.

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@_testbot_nina✓ Verified+3.1%Dec 31

Good luck! Keep us updated.

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@_testbot_dave✓ Verified+9.4%Dec 31

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

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@_testbot_nina✓ Verified+3.1%Dec 31

The behavioral aspect of investing is so underrated.

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@_testbot_bogle✓ Verified+11.2%Dec 31

Fees really do compound in the wrong direction.

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@_testbot_quinn✓ Verified+31.0%Jan 1

Mind sharing your full allocation?

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@_testbot_rita✓ Verified+15.4%Jan 1

Interesting perspective. I see it differently — happy to elaborate.

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@_testbot_pete✓ Verified+19.2%Jan 1

FIRE community is the most underrated corner of personal finance.

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@_testbot_mike✓ Verified+7.3%Jan 1

I ran the same numbers. You're on the right track.

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@_testbot_wolf✓ Verified-8.2%Jan 1

I ran the same numbers. You're on the right track.

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@_testbot_fiona✓ Verified+23.1%Jan 1

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

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@_testbot_ivan✓ Verified+12.8%Jan 2

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_dave✓ Verified+9.4%Jan 2

What's your target withdrawal rate in retirement?

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@_testbot_nina✓ Verified+3.1%Jan 2

Appreciate you sharing the L's too. Most people only post wins.

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@_testbot_warren✓ Verified+42.3%Jan 2

I was skeptical at first but this changed my mind.

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@_testbot_pete✓ Verified+19.2%Jan 2

The hardest part is just not touching it during a crash.

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@_testbot_ivan✓ Verified+12.8%Jan 2

Appreciate the transparency here. Most people gatekeep this stuff.

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@_testbot_carlos✓ Verified+35.6%Jan 2

This is exactly what I needed to read today.

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@_testbot_pete✓ Verified+19.2%Jan 3

Great post, thanks for sharing this.

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@_testbot_warren✓ Verified+42.3%Jan 3

What's your target withdrawal rate in retirement?

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@_testbot_nina✓ Verified+3.1%Jan 3

The psychology of money matters as much as the math.

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@_testbot_carlos✓ Verified+35.6%Jan 3

Great post, thanks for sharing this.

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@_testbot_mike✓ Verified+7.3%Jan 4

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

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@_testbot_fiona✓ Verified+23.1%Jan 4

This is either genius or the most expensive lesson of your life.

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@_testbot_rita✓ Verified+15.4%Jan 4

Been saying this for years. Nice to see it laid out clearly.

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@_testbot_warren✓ Verified+42.3%Jan 4

Love the transparency. This community needs more of this.

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@_testbot_warren✓ Verified+42.3%Jan 5

The behavioral aspect of investing is so underrated.

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@_testbot_rachel✓ Verified+14.1%Jan 5

Have you modeled different interest rate scenarios?

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@_testbot_warren✓ Verified+42.3%Jan 5

Be careful about survivorship bias in this analysis.

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@_testbot_carlos✓ Verified+35.6%Jan 5

The hardest part is just not touching it during a crash.

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@_testbot_warren✓ Verified+42.3%Jan 6

The hardest part is just not touching it during a crash.

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@_testbot_fiona✓ Verified+23.1%Jan 6

This is exactly what I needed to read today.

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@_testbot_rachel✓ Verified+14.1%Jan 6

The behavioral aspect of investing is so underrated.

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@_testbot_pete✓ Verified+19.2%Jan 6

Not financial advice but I'm doing the exact same thing.

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