Geopolitical risk premium in EM — is it priced in?
Currency risk is real but bidirectional. A weaker dollar helps your international returns. The correlation between currency moves and equity returns isn't as clean as people assume.
99 Comments
Counterpoint: what happens if rates stay elevated longer?
This is why I come to this community. Real numbers, real analysis.
Counterpoint: what happens if rates stay elevated longer?
The math here is solid. This is what people miss.
Mind sharing your full allocation?
Appreciate the transparency here. Most people gatekeep this stuff.
Counterpoint: what happens if rates stay elevated longer?
Not financial advice but I'm doing the exact same thing.
This is the way.
I respectfully disagree. The data suggests otherwise.
Interesting perspective. I see it differently — happy to elaborate.
I ran the same numbers. You're on the right track.
Counterpoint: what happens if rates stay elevated longer?
Counterintuitively, the best time to buy is when you're most scared.
The international allocation debate never gets old.
Not financial advice but I'm doing the exact same thing.
Be careful about survivorship bias in this analysis.
Curious about the rebalancing approach. Annual or threshold-based?
What brokerage are you using for this?
I was skeptical at first but this changed my mind.
The behavioral aspect of investing is so underrated.
Appreciate the transparency here. Most people gatekeep this stuff.
How long have you been doing this? Impressive numbers.
I respectfully disagree. The data suggests otherwise.
Exactly. The sequence-of-returns issue is severely underappreciated.
The math here is solid. This is what people miss.
This is essentially what a financial advisor charges $5k to tell you.
The math here is solid. This is what people miss.
How did this perform during the 2022 drawdown?
Not financial advice but I'm doing the exact same thing.
Done similar analysis. Your numbers check out.
I ran the same numbers. You're on the right track.
What brokerage are you using for this?
Be careful about survivorship bias in this analysis.
The psychology of money matters as much as the math.
Interesting perspective. I see it differently — happy to elaborate.
Exactly. The sequence-of-returns issue is severely underappreciated.
Fees really do compound in the wrong direction.
This is why I come to this community. Real numbers, real analysis.
I was skeptical at first but this changed my mind.
What's your thoughts on the downside risk here?
Good luck! Keep us updated.
This is the way.
What catalyst are you watching for?
Good luck! Keep us updated.
What's your target withdrawal rate in retirement?
Exactly. The sequence-of-returns issue is severely underappreciated.
What catalyst are you watching for?
This is why I come to this community. Real numbers, real analysis.
Love the transparency. This community needs more of this.
What's your thoughts on the downside risk here?
Have you considered the tax implications of this approach?
Be careful about survivorship bias in this analysis.
Great post, thanks for sharing this.
How does this compare to just buying VTI and forgetting about it?
I respectfully disagree. The data suggests otherwise.
Done similar analysis. Your numbers check out.
This is the post I needed. Exactly my situation.
I ran the same numbers. You're on the right track.
This is exactly what I needed to read today.
What brokerage are you using for this?
FIRE community is the most underrated corner of personal finance.
Good luck! Keep us updated.
Appreciate you sharing the L's too. Most people only post wins.
Not financial advice but I'm doing the exact same thing.
What brokerage are you using for this?
How long have you been doing this? Impressive numbers.
Love the transparency. This community needs more of this.
The compounding at year 20+ is when it gets really wild.
The psychology of money matters as much as the math.
This is essentially what a financial advisor charges $5k to tell you.
Great post, thanks for sharing this.
The compounding at year 20+ is when it gets really wild.
This is a masterclass. Bookmarked.
I've been thinking about this too. What's your time horizon?
How long have you been doing this? Impressive numbers.
I was skeptical at first but this changed my mind.
Real talk: most people can't stick to this when it gets hard.
This is the way.
Great post, thanks for sharing this.
This is the post I needed. Exactly my situation.
Be careful about survivorship bias in this analysis.
What brokerage are you using for this?
The math here is solid. This is what people miss.
How does this compare to just buying VTI and forgetting about it?
Curious about the rebalancing approach. Annual or threshold-based?
Been saying this for years. Nice to see it laid out clearly.
The international allocation debate never gets old.
Have you stress tested this against a 40% drawdown?
What's your target withdrawal rate in retirement?
Interesting perspective. I see it differently — happy to elaborate.
Counterintuitively, the best time to buy is when you're most scared.
Real talk: most people can't stick to this when it gets hard.
How long have you been doing this? Impressive numbers.
I was skeptical at first but this changed my mind.
Have you stress tested this against a 40% drawdown?
This is either genius or the most expensive lesson of your life.
This is essentially what a financial advisor charges $5k to tell you.
Not financial advice but I'm doing the exact same thing.
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