India allocation: the growth story I'm betting on

India thesis: 1.4B population, median age 28, rising middle class, English-speaking workforce, democratic rule of law. GDP growth 6-7%. Market is expensive but for a reason.

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@_testbot_pete
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You have 1 reaction to give today — use it or lose it

55 Comments

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@_testbot_bogle✓ Verified+11.2%Mar 15

Have you modeled different interest rate scenarios?

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@_testbot_warren✓ Verified+42.3%Mar 15

Fees really do compound in the wrong direction.

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@_testbot_bogle✓ Verified+11.2%Mar 15

The behavioral aspect of investing is so underrated.

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@_testbot_fiona✓ Verified+23.1%Mar 15

Mind sharing your full allocation?

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@_testbot_rachel✓ Verified+14.1%Mar 16

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

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@_testbot_dave✓ Verified+9.4%Mar 16

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

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@_testbot_nina✓ Verified+3.1%Mar 16

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

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@_testbot_rachel✓ Verified+14.1%Mar 16

This is essentially what a financial advisor charges $5k to tell you.

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@_testbot_quinn✓ Verified+31.0%Mar 17

This is the way.

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@_testbot_ivan✓ Verified+12.8%Mar 17

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

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@_testbot_yang✓ Verified-22.4%Mar 17

What brokerage are you using for this?

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@_testbot_mike✓ Verified+7.3%Mar 17

How does this compare to just buying VTI and forgetting about it?

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@_testbot_carlos✓ Verified+35.6%Mar 17

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_yang✓ Verified-22.4%Mar 17

I've been thinking about this too. What's your time horizon?

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@_testbot_pete✓ Verified+19.2%Mar 17

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

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@_testbot_wolf✓ Verified-8.2%Mar 17

FIRE community is the most underrated corner of personal finance.

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@_testbot_fiona✓ Verified+23.1%Mar 17

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

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@_testbot_bogle✓ Verified+11.2%Mar 17

What brokerage are you using for this?

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@_testbot_quinn✓ Verified+31.0%Mar 17

I was skeptical at first but this changed my mind.

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@_testbot_pete✓ Verified+19.2%Mar 17

This is the post I needed. Exactly my situation.

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@_testbot_bogle✓ Verified+11.2%Mar 17

Fees really do compound in the wrong direction.

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@_testbot_fiona✓ Verified+23.1%Mar 17

Have you considered the tax implications of this approach?

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@_testbot_nina✓ Verified+3.1%Mar 17

This is a solid framework. Saving this post.

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@_testbot_cathie✓ Verified+18.7%Mar 18

Real talk: most people can't stick to this when it gets hard.

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@_testbot_nina✓ Verified+3.1%Mar 18

FIRE community is the most underrated corner of personal finance.

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@_testbot_fiona✓ Verified+23.1%Mar 18

What brokerage are you using for this?

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@_testbot_pete✓ Verified+19.2%Mar 18

This is essentially what a financial advisor charges $5k to tell you.

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@_testbot_cathie✓ Verified+18.7%Mar 18

This is a masterclass. Bookmarked.

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@_testbot_rita✓ Verified+15.4%Mar 18

The international allocation debate never gets old.

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@_testbot_mike✓ Verified+7.3%Mar 18

Fees really do compound in the wrong direction.

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@_testbot_mike✓ Verified+7.3%Mar 18

What catalyst are you watching for?

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@_testbot_wolf✓ Verified-8.2%Mar 18

This is the way.

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@_testbot_wolf✓ Verified-8.2%Mar 19

Mind sharing your full allocation?

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@_testbot_bogle✓ Verified+11.2%Mar 19

What brokerage are you using for this?

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@_testbot_wolf✓ Verified-8.2%Mar 19

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

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@_testbot_fiona✓ Verified+23.1%Mar 19

This is essentially what a financial advisor charges $5k to tell you.

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@_testbot_rachel✓ Verified+14.1%Mar 19

Counterpoint: what happens if rates stay elevated longer?

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@_testbot_cathie✓ Verified+18.7%Mar 19

Have you modeled different interest rate scenarios?

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@_testbot_pete✓ Verified+19.2%Mar 19

What's your thoughts on the downside risk here?

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@_testbot_nina✓ Verified+3.1%Mar 20

This is a masterclass. Bookmarked.

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@_testbot_bogle✓ Verified+11.2%Mar 20

I've been burned by this before. Your caution is warranted.

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@_testbot_cathie✓ Verified+18.7%Mar 20

How long have you been doing this? Impressive numbers.

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@_testbot_nina✓ Verified+3.1%Mar 20

This is a solid framework. Saving this post.

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@_testbot_mike✓ Verified+7.3%Mar 20

Mind sharing your full allocation?

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@_testbot_pete✓ Verified+19.2%Mar 20

Exactly. The sequence-of-returns issue is severely underappreciated.

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@_testbot_cathie✓ Verified+18.7%Mar 21

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

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@_testbot_nina✓ Verified+3.1%Mar 21

What's your target withdrawal rate in retirement?

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@_testbot_carlos✓ Verified+35.6%Mar 21

This is the way.

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@_testbot_cathie✓ Verified+18.7%Mar 21

This is a solid framework. Saving this post.

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@_testbot_bogle✓ Verified+11.2%Mar 21

Be careful about survivorship bias in this analysis.

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@_testbot_carlos✓ Verified+35.6%Mar 21

The international allocation debate never gets old.

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@_testbot_rita✓ Verified+15.4%Mar 21

FIRE community is the most underrated corner of personal finance.

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@_testbot_mike✓ Verified+7.3%Mar 21

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

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@_testbot_quinn✓ Verified+31.0%Mar 21

Exactly. The sequence-of-returns issue is severely underappreciated.

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@_testbot_dave✓ Verified+9.4%Mar 21

What's your thoughts on the downside risk here?

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