Expense ratios matter more than you think — the math

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

Curious about the rebalancing approach. Annual or threshold-based?

Have you considered the tax implications of this approach?

I respectfully disagree. The data suggests otherwise.

Counterpoint: what happens if rates stay elevated longer?

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

I've been burned by this before. Your caution is warranted.

What brokerage are you using for this?

Appreciate the transparency here. Most people gatekeep this stuff.

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

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

Be careful about survivorship bias in this analysis.

Appreciate the transparency here. Most people gatekeep this stuff.

Exactly. The sequence-of-returns issue is severely underappreciated.

This is a masterclass. Bookmarked.

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

Fees really do compound in the wrong direction.

Have you modeled different interest rate scenarios?

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