Taxable vs tax-advantaged: how do you think about asset location?
Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.
52 Comments
This is a solid framework. Saving this post.
Be careful about survivorship bias in this analysis.
I ran the same numbers. You're on the right track.
How does this compare to just buying VTI and forgetting about it?
How did this perform during the 2022 drawdown?
I was skeptical at first but this changed my mind.
FIRE community is the most underrated corner of personal finance.
Have you considered the tax implications of this approach?
Love the transparency. This community needs more of this.
The psychology of money matters as much as the math.
This is why I come to this community. Real numbers, real analysis.
Love the transparency. This community needs more of this.
This is the way.
What's your thoughts on the downside risk here?
The behavioral aspect of investing is so underrated.
The hardest part is just not touching it during a crash.
Fees really do compound in the wrong direction.
This is exactly what I needed to read today.
Mind sharing your full allocation?
The psychology of money matters as much as the math.
Be careful about survivorship bias in this analysis.
The behavioral aspect of investing is so underrated.
Great post, thanks for sharing this.
This is why I come to this community. Real numbers, real analysis.
Interesting perspective. I see it differently — happy to elaborate.
This is a masterclass. Bookmarked.
How did this perform during the 2022 drawdown?
What catalyst are you watching for?
This is exactly what I needed to read today.
Love the transparency. This community needs more of this.
What catalyst are you watching for?
This is exactly what I needed to read today.
Real talk: most people can't stick to this when it gets hard.
I was skeptical at first but this changed my mind.
Fees really do compound in the wrong direction.
Counterpoint: what happens if rates stay elevated longer?
The math here is solid. This is what people miss.
Counterpoint: what happens if rates stay elevated longer?
What catalyst are you watching for?
This is exactly what I needed to read today.
Real talk: most people can't stick to this when it gets hard.
What's your target withdrawal rate in retirement?
The exit strategy is what most people don't think about.
Love the transparency. This community needs more of this.
I ran the same numbers. You're on the right track.
Have you modeled different interest rate scenarios?
The fee math always surprises people when you actually do it out.
Interesting perspective. I see it differently — happy to elaborate.
This is either genius or the most expensive lesson of your life.
Real talk: most people can't stick to this when it gets hard.
The international allocation debate never gets old.
The exit strategy is what most people don't think about.
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