My asset allocation glide path into retirement
Order of operations: 401k to employer match → HSA max → Roth IRA max → 401k max → backdoor Roth if needed → taxable brokerage. This order optimizes for tax efficiency.
51 Comments
The behavioral aspect of investing is so underrated.
What catalyst are you watching for?
This is exactly what I needed to read today.
Interesting perspective. I see it differently — happy to elaborate.
What's your thoughts on the downside risk here?
Done similar analysis. Your numbers check out.
The behavioral aspect of investing is so underrated.
How long have you been doing this? Impressive numbers.
What catalyst are you watching for?
Done similar analysis. Your numbers check out.
Not financial advice but I'm doing the exact same thing.
This is the post I needed. Exactly my situation.
This is the post I needed. Exactly my situation.
Have you considered the tax implications of this approach?
This is a solid framework. Saving this post.
The behavioral aspect of investing is so underrated.
Done similar analysis. Your numbers check out.
This is a masterclass. Bookmarked.
This is a solid framework. Saving this post.
I ran the same numbers. You're on the right track.
I've been thinking about this too. What's your time horizon?
This is why I come to this community. Real numbers, real analysis.
I've been thinking about this too. What's your time horizon?
The international allocation debate never gets old.
What brokerage are you using for this?
The international allocation debate never gets old.
Not financial advice but I'm doing the exact same thing.
Curious about the rebalancing approach. Annual or threshold-based?
Any thoughts on doing this in a taxable account?
How does this compare to just buying VTI and forgetting about it?
What's your thoughts on the downside risk here?
Done similar analysis. Your numbers check out.
Have you stress tested this against a 40% drawdown?
Done similar analysis. Your numbers check out.
Be careful about survivorship bias in this analysis.
What brokerage are you using for this?
Good luck! Keep us updated.
Love the transparency. This community needs more of this.
Counterintuitively, the best time to buy is when you're most scared.
Counterpoint: what happens if rates stay elevated longer?
What's your target withdrawal rate in retirement?
I ran the same numbers. You're on the right track.
Great post, thanks for sharing this.
I was skeptical at first but this changed my mind.
This is why I come to this community. Real numbers, real analysis.
Counterintuitively, the best time to buy is when you're most scared.
What brokerage are you using for this?
I ran the same numbers. You're on the right track.
Appreciate the transparency here. Most people gatekeep this stuff.
Have you modeled different interest rate scenarios?
What's your target withdrawal rate in retirement?
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