New position in $O — my thesis
High yield traps I've fallen for: T before they cut, MO before pricing power eroded. Lesson: if yield is above 7%, there's usually a reason.
61 Comments
The behavioral aspect of investing is so underrated.
Been saying this for years. Nice to see it laid out clearly.
This is the way.
Mind sharing your full allocation?
I've been burned by this before. Your caution is warranted.
The compounding at year 20+ is when it gets really wild.
Mind sharing your full allocation?
This is why I come to this community. Real numbers, real analysis.
Good luck! Keep us updated.
What's your thoughts on the downside risk here?
This is the way.
Interesting perspective. I see it differently — happy to elaborate.
This is why I come to this community. Real numbers, real analysis.
Have you modeled different interest rate scenarios?
This is essentially what a financial advisor charges $5k to tell you.
The math here is solid. This is what people miss.
The hardest part is just not touching it during a crash.
Exactly. The sequence-of-returns issue is severely underappreciated.
Be careful about survivorship bias in this analysis.
Real talk: most people can't stick to this when it gets hard.
What catalyst are you watching for?
How does this compare to just buying VTI and forgetting about it?
What's your thoughts on the downside risk here?
This is a solid framework. Saving this post.
The math here is solid. This is what people miss.
This is why I come to this community. Real numbers, real analysis.
FIRE community is the most underrated corner of personal finance.
How long have you been doing this? Impressive numbers.
The psychology of money matters as much as the math.
The hardest part is just not touching it during a crash.
Be careful about survivorship bias in this analysis.
This is a masterclass. Bookmarked.
Have you considered the tax implications of this approach?
Appreciate the transparency here. Most people gatekeep this stuff.
I've been thinking about this too. What's your time horizon?
What catalyst are you watching for?
Mind sharing your full allocation?
Love the transparency. This community needs more of this.
This is essentially what a financial advisor charges $5k to tell you.
Interesting perspective. I see it differently — happy to elaborate.
The math here is solid. This is what people miss.
What's your target withdrawal rate in retirement?
The psychology of money matters as much as the math.
Mind sharing your full allocation?
This is why I come to this community. Real numbers, real analysis.
This is why I come to this community. Real numbers, real analysis.
How did this perform during the 2022 drawdown?
Good luck! Keep us updated.
Be careful about survivorship bias in this analysis.
Mind sharing your full allocation?
Counterpoint: what happens if rates stay elevated longer?
Been saying this for years. Nice to see it laid out clearly.
This is why I come to this community. Real numbers, real analysis.
Have you considered the tax implications of this approach?
This is a masterclass. Bookmarked.
Interesting perspective. I see it differently — happy to elaborate.
Not financial advice but I'm doing the exact same thing.
Good luck! Keep us updated.
Appreciate you sharing the L's too. Most people only post wins.
This is why I come to this community. Real numbers, real analysis.
The international allocation debate never gets old.
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