Just opened my first brokerage account — what now?
Expense ratio realization: I was in a target date fund with 0.75% ER. Switched to same fund at 0.12% ER. That difference on $50k over 30 years at 7% is over $80,000.
71 Comments
Have you stress tested this against a 40% drawdown?
I've been thinking about this too. What's your time horizon?
Done similar analysis. Your numbers check out.
The psychology of money matters as much as the math.
Done similar analysis. Your numbers check out.
The behavioral aspect of investing is so underrated.
What catalyst are you watching for?
How does this compare to just buying VTI and forgetting about it?
This is the post I needed. Exactly my situation.
The behavioral aspect of investing is so underrated.
This is essentially what a financial advisor charges $5k to tell you.
This is a masterclass. Bookmarked.
Counterpoint: what happens if rates stay elevated longer?
What's your target withdrawal rate in retirement?
The exit strategy is what most people don't think about.
I ran the same numbers. You're on the right track.
This is a solid framework. Saving this post.
Been saying this for years. Nice to see it laid out clearly.
What brokerage are you using for this?
Good luck! Keep us updated.
I was skeptical at first but this changed my mind.
The psychology of money matters as much as the math.
The exit strategy is what most people don't think about.
The psychology of money matters as much as the math.
The hardest part is just not touching it during a crash.
The psychology of money matters as much as the math.
How long have you been doing this? Impressive numbers.
FIRE community is the most underrated corner of personal finance.
Real talk: most people can't stick to this when it gets hard.
Good luck! Keep us updated.
I was skeptical at first but this changed my mind.
What's your thoughts on the downside risk here?
This is exactly what I needed to read today.
The behavioral aspect of investing is so underrated.
I was skeptical at first but this changed my mind.
This is essentially what a financial advisor charges $5k to tell you.
Be careful about survivorship bias in this analysis.
The psychology of money matters as much as the math.
This is the way.
Exactly. The sequence-of-returns issue is severely underappreciated.
Fees really do compound in the wrong direction.
The behavioral aspect of investing is so underrated.
Mind sharing your full allocation?
Counterintuitively, the best time to buy is when you're most scared.
I was skeptical at first but this changed my mind.
The fee math always surprises people when you actually do it out.
Not financial advice but I'm doing the exact same thing.
Good luck! Keep us updated.
Been saying this for years. Nice to see it laid out clearly.
I've been burned by this before. Your caution is warranted.
Appreciate you sharing the L's too. Most people only post wins.
Good luck! Keep us updated.
Done similar analysis. Your numbers check out.
This is a solid framework. Saving this post.
Not financial advice but I'm doing the exact same thing.
Not financial advice but I'm doing the exact same thing.
Great post, thanks for sharing this.
This is a solid framework. Saving this post.
This is essentially what a financial advisor charges $5k to tell you.
The international allocation debate never gets old.
Interesting perspective. I see it differently — happy to elaborate.
Exactly. The sequence-of-returns issue is severely underappreciated.
Have you modeled different interest rate scenarios?
Good luck! Keep us updated.
How did this perform during the 2022 drawdown?
This is exactly what I needed to read today.
I was skeptical at first but this changed my mind.
The international allocation debate never gets old.
I respectfully disagree. The data suggests otherwise.
Appreciate the transparency here. Most people gatekeep this stuff.
This is essentially what a financial advisor charges $5k to tell you.
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