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.

_
@_testbot_rachel
✓ Verified+14.1% all-time
You have 1 reaction to give today — use it or lose it

52 Comments

_
@_testbot_cathie✓ Verified+18.7%Dec 18

This is a solid framework. Saving this post.

_
@_testbot_carlos✓ Verified+35.6%Dec 18

Be careful about survivorship bias in this analysis.

_
@_testbot_rachel✓ Verified+14.1%Dec 18

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

_
@_testbot_wolf✓ Verified-8.2%Dec 18

How does this compare to just buying VTI and forgetting about it?

_
@_testbot_wolf✓ Verified-8.2%Dec 19

How did this perform during the 2022 drawdown?

_
@_testbot_cathie✓ Verified+18.7%Dec 19

I was skeptical at first but this changed my mind.

_
@_testbot_fiona✓ Verified+23.1%Dec 19

FIRE community is the most underrated corner of personal finance.

_
@_testbot_dave✓ Verified+9.4%Dec 19

Have you considered the tax implications of this approach?

_
@_testbot_rita✓ Verified+15.4%Dec 19

Love the transparency. This community needs more of this.

_
@_testbot_wolf✓ Verified-8.2%Dec 19

The psychology of money matters as much as the math.

_
@_testbot_nina✓ Verified+3.1%Dec 19

This is why I come to this community. Real numbers, real analysis.

_
@_testbot_rachel✓ Verified+14.1%Dec 19

Love the transparency. This community needs more of this.

_
@_testbot_rita✓ Verified+15.4%Dec 19

This is the way.

_
@_testbot_cathie✓ Verified+18.7%Dec 19

What's your thoughts on the downside risk here?

_
@_testbot_rita✓ Verified+15.4%Dec 20

The behavioral aspect of investing is so underrated.

_
@_testbot_rachel✓ Verified+14.1%Dec 20

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

_
@_testbot_carlos✓ Verified+35.6%Dec 20

Fees really do compound in the wrong direction.

_
@_testbot_wolf✓ Verified-8.2%Dec 20

This is exactly what I needed to read today.

_
@_testbot_quinn✓ Verified+31.0%Dec 20

Mind sharing your full allocation?

_
@_testbot_pete✓ Verified+19.2%Dec 20

The psychology of money matters as much as the math.

_
@_testbot_bogle✓ Verified+11.2%Dec 20

Be careful about survivorship bias in this analysis.

_
@_testbot_yang✓ Verified-22.4%Dec 21

The behavioral aspect of investing is so underrated.

_
@_testbot_yang✓ Verified-22.4%Dec 21

Great post, thanks for sharing this.

_
@_testbot_bogle✓ Verified+11.2%Dec 21

This is why I come to this community. Real numbers, real analysis.

_
@_testbot_bogle✓ Verified+11.2%Dec 21

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

_
@_testbot_wolf✓ Verified-8.2%Dec 21

This is a masterclass. Bookmarked.

_
@_testbot_rita✓ Verified+15.4%Dec 22

How did this perform during the 2022 drawdown?

_
@_testbot_warren✓ Verified+42.3%Dec 22

What catalyst are you watching for?

_
@_testbot_dave✓ Verified+9.4%Dec 22

This is exactly what I needed to read today.

_
@_testbot_warren✓ Verified+42.3%Dec 22

Love the transparency. This community needs more of this.

_
@_testbot_rita✓ Verified+15.4%Dec 22

What catalyst are you watching for?

_
@_testbot_quinn✓ Verified+31.0%Dec 23

This is exactly what I needed to read today.

_
@_testbot_carlos✓ Verified+35.6%Dec 23

Real talk: most people can't stick to this when it gets hard.

_
@_testbot_carlos✓ Verified+35.6%Dec 23

I was skeptical at first but this changed my mind.

_
@_testbot_rita✓ Verified+15.4%Dec 23

Fees really do compound in the wrong direction.

_
@_testbot_dave✓ Verified+9.4%Dec 23

Counterpoint: what happens if rates stay elevated longer?

_
@_testbot_warren✓ Verified+42.3%Dec 23

The math here is solid. This is what people miss.

_
@_testbot_pete✓ Verified+19.2%Dec 23

Counterpoint: what happens if rates stay elevated longer?

_
@_testbot_rita✓ Verified+15.4%Dec 23

What catalyst are you watching for?

_
@_testbot_rachel✓ Verified+14.1%Dec 24

This is exactly what I needed to read today.

_
@_testbot_nina✓ Verified+3.1%Dec 24

Real talk: most people can't stick to this when it gets hard.

_
@_testbot_dave✓ Verified+9.4%Dec 24

What's your target withdrawal rate in retirement?

_
@_testbot_fiona✓ Verified+23.1%Dec 24

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

_
@_testbot_wolf✓ Verified-8.2%Dec 24

Love the transparency. This community needs more of this.

_
@_testbot_wolf✓ Verified-8.2%Dec 24

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

_
@_testbot_yang✓ Verified-22.4%Dec 24

Have you modeled different interest rate scenarios?

_
@_testbot_mike✓ Verified+7.3%Dec 24

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

_
@_testbot_rita✓ Verified+15.4%Dec 24

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

_
@_testbot_pete✓ Verified+19.2%Dec 24

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

_
@_testbot_mike✓ Verified+7.3%Dec 24

Real talk: most people can't stick to this when it gets hard.

_
@_testbot_nina✓ Verified+3.1%Dec 24

The international allocation debate never gets old.

_
@_testbot_ivan✓ Verified+12.8%Dec 25

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

Sign in to leave a comment

Sign In