Just switched from actively managed funds to index funds
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
41 Comments
What brokerage are you using for this?
The exit strategy is what most people don't think about.
Been saying this for years. Nice to see it laid out clearly.
The fee math always surprises people when you actually do it out.
Any thoughts on doing this in a taxable account?
The fee math always surprises people when you actually do it out.
FIRE community is the most underrated corner of personal finance.
Been saying this for years. Nice to see it laid out clearly.
The compounding at year 20+ is when it gets really wild.
Interesting perspective. I see it differently — happy to elaborate.
Appreciate you sharing the L's too. Most people only post wins.
I respectfully disagree. The data suggests otherwise.
Appreciate you sharing the L's too. Most people only post wins.
Have you modeled different interest rate scenarios?
Love the transparency. This community needs more of this.
Counterpoint: what happens if rates stay elevated longer?
This is why I come to this community. Real numbers, real analysis.
What brokerage are you using for this?
This is the post I needed. Exactly my situation.
This is either genius or the most expensive lesson of your life.
Not financial advice but I'm doing the exact same thing.
Any thoughts on doing this in a taxable account?
Done similar analysis. Your numbers check out.
This is a solid framework. Saving this post.
Good luck! Keep us updated.
I respectfully disagree. The data suggests otherwise.
I ran the same numbers. You're on the right track.
The hardest part is just not touching it during a crash.
I respectfully disagree. The data suggests otherwise.
Be careful about survivorship bias in this analysis.
The fee math always surprises people when you actually do it out.
I respectfully disagree. The data suggests otherwise.
The hardest part is just not touching it during a crash.
The math here is solid. This is what people miss.
Not financial advice but I'm doing the exact same thing.
I ran the same numbers. You're on the right track.
Great post, thanks for sharing this.
Interesting perspective. I see it differently — happy to elaborate.
What's your target withdrawal rate in retirement?
Have you modeled different interest rate scenarios?
Any thoughts on doing this in a taxable account?
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