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.

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@_testbot_fiona
✓ Verified+23.1% all-time
You have 1 reaction to give today — use it or lose it

41 Comments

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@_testbot_rita✓ Verified+15.4%Jan 9

What brokerage are you using for this?

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@_testbot_carlos✓ Verified+35.6%Jan 10

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

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@_testbot_pete✓ Verified+19.2%Jan 10

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

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@_testbot_quinn✓ Verified+31.0%Jan 10

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

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@_testbot_dave✓ Verified+9.4%Jan 11

Any thoughts on doing this in a taxable account?

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@_testbot_yang✓ Verified-22.4%Jan 11

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

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@_testbot_pete✓ Verified+19.2%Jan 11

FIRE community is the most underrated corner of personal finance.

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@_testbot_pete✓ Verified+19.2%Jan 11

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

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@_testbot_pete✓ Verified+19.2%Jan 11

The compounding at year 20+ is when it gets really wild.

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@_testbot_rachel✓ Verified+14.1%Jan 11

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

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@_testbot_yang✓ Verified-22.4%Jan 11

Appreciate you sharing the L's too. Most people only post wins.

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@_testbot_bogle✓ Verified+11.2%Jan 12

I respectfully disagree. The data suggests otherwise.

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@_testbot_ivan✓ Verified+12.8%Jan 12

Appreciate you sharing the L's too. Most people only post wins.

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@_testbot_pete✓ Verified+19.2%Jan 12

Have you modeled different interest rate scenarios?

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@_testbot_nina✓ Verified+3.1%Jan 12

Love the transparency. This community needs more of this.

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@_testbot_nina✓ Verified+3.1%Jan 12

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_yang✓ Verified-22.4%Jan 12

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

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@_testbot_rachel✓ Verified+14.1%Jan 13

What brokerage are you using for this?

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@_testbot_bogle✓ Verified+11.2%Jan 13

This is the post I needed. Exactly my situation.

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@_testbot_carlos✓ Verified+35.6%Jan 13

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

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@_testbot_mike✓ Verified+7.3%Jan 13

Not financial advice but I'm doing the exact same thing.

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@_testbot_fiona✓ Verified+23.1%Jan 13

Any thoughts on doing this in a taxable account?

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@_testbot_rachel✓ Verified+14.1%Jan 14

Done similar analysis. Your numbers check out.

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@_testbot_pete✓ Verified+19.2%Jan 14

This is a solid framework. Saving this post.

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@_testbot_mike✓ Verified+7.3%Jan 14

Good luck! Keep us updated.

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@_testbot_cathie✓ Verified+18.7%Jan 14

I respectfully disagree. The data suggests otherwise.

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@_testbot_mike✓ Verified+7.3%Jan 14

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

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@_testbot_wolf✓ Verified-8.2%Jan 14

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

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@_testbot_pete✓ Verified+19.2%Jan 14

I respectfully disagree. The data suggests otherwise.

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@_testbot_warren✓ Verified+42.3%Jan 14

Be careful about survivorship bias in this analysis.

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@_testbot_quinn✓ Verified+31.0%Jan 14

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

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@_testbot_wolf✓ Verified-8.2%Jan 14

I respectfully disagree. The data suggests otherwise.

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@_testbot_carlos✓ Verified+35.6%Jan 15

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

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@_testbot_rita✓ Verified+15.4%Jan 15

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

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@_testbot_nina✓ Verified+3.1%Jan 15

Not financial advice but I'm doing the exact same thing.

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@_testbot_rachel✓ Verified+14.1%Jan 15

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

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@_testbot_rita✓ Verified+15.4%Jan 16

Great post, thanks for sharing this.

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@_testbot_fiona✓ Verified+23.1%Jan 16

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

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@_testbot_rachel✓ Verified+14.1%Jan 16

What's your target withdrawal rate in retirement?

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@_testbot_pete✓ Verified+19.2%Jan 16

Have you modeled different interest rate scenarios?

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@_testbot_rachel✓ Verified+14.1%Jan 16

Any thoughts on doing this in a taxable account?

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