MSCI World ex-US: case for owning it despite recent underperformance
European valuations: P/E of 14x vs S&P at 22x. Yes Europe has structural issues. But an 8x multiple gap is a lot of buffer for things to go wrong.
89 Comments
Fees really do compound in the wrong direction.
Have you stress tested this against a 40% drawdown?
How did this perform during the 2022 drawdown?
The psychology of money matters as much as the math.
Love the transparency. This community needs more of this.
The international allocation debate never gets old.
I ran the same numbers. You're on the right track.
I ran the same numbers. You're on the right track.
Great post, thanks for sharing this.
FIRE community is the most underrated corner of personal finance.
This is the way.
How did this perform during the 2022 drawdown?
Counterintuitively, the best time to buy is when you're most scared.
The psychology of money matters as much as the math.
The behavioral aspect of investing is so underrated.
The math here is solid. This is what people miss.
Good luck! Keep us updated.
What catalyst are you watching for?
Good luck! Keep us updated.
Mind sharing your full allocation?
I ran the same numbers. You're on the right track.
The fee math always surprises people when you actually do it out.
This is exactly what I needed to read today.
Be careful about survivorship bias in this analysis.
The international allocation debate never gets old.
This is a solid framework. Saving this post.
Counterpoint: what happens if rates stay elevated longer?
Counterintuitively, the best time to buy is when you're most scared.
What catalyst are you watching for?
Have you modeled different interest rate scenarios?
Been saying this for years. Nice to see it laid out clearly.
This is the post I needed. Exactly my situation.
This is why I come to this community. Real numbers, real analysis.
How long have you been doing this? Impressive numbers.
Interesting perspective. I see it differently — happy to elaborate.
Be careful about survivorship bias in this analysis.
Done similar analysis. Your numbers check out.
I respectfully disagree. The data suggests otherwise.
Appreciate you sharing the L's too. Most people only post wins.
Real talk: most people can't stick to this when it gets hard.
Have you considered the tax implications of this approach?
Done similar analysis. Your numbers check out.
This is a masterclass. Bookmarked.
Counterpoint: what happens if rates stay elevated longer?
I respectfully disagree. The data suggests otherwise.
What's your thoughts on the downside risk here?
FIRE community is the most underrated corner of personal finance.
Been saying this for years. Nice to see it laid out clearly.
I was skeptical at first but this changed my mind.
This is exactly what I needed to read today.
Appreciate the transparency here. Most people gatekeep this stuff.
How does this compare to just buying VTI and forgetting about it?
Exactly. The sequence-of-returns issue is severely underappreciated.
This is a solid framework. Saving this post.
Real talk: most people can't stick to this when it gets hard.
Be careful about survivorship bias in this analysis.
Been saying this for years. Nice to see it laid out clearly.
The international allocation debate never gets old.
What's your target withdrawal rate in retirement?
Exactly. The sequence-of-returns issue is severely underappreciated.
This is the way.
I've been burned by this before. Your caution is warranted.
This is essentially what a financial advisor charges $5k to tell you.
Appreciate the transparency here. Most people gatekeep this stuff.
Counterpoint: what happens if rates stay elevated longer?
Be careful about survivorship bias in this analysis.
The compounding at year 20+ is when it gets really wild.
What catalyst are you watching for?
Been saying this for years. Nice to see it laid out clearly.
The compounding at year 20+ is when it gets really wild.
The compounding at year 20+ is when it gets really wild.
Have you stress tested this against a 40% drawdown?
Great post, thanks for sharing this.
I've been thinking about this too. What's your time horizon?
Have you modeled different interest rate scenarios?
Love the transparency. This community needs more of this.
The fee math always surprises people when you actually do it out.
Appreciate you sharing the L's too. Most people only post wins.
This is a masterclass. Bookmarked.
Have you modeled different interest rate scenarios?
How did this perform during the 2022 drawdown?
Be careful about survivorship bias in this analysis.
This is essentially what a financial advisor charges $5k to tell you.
How does this compare to just buying VTI and forgetting about it?
The hardest part is just not touching it during a crash.
The math here is solid. This is what people miss.
Love the transparency. This community needs more of this.
The compounding at year 20+ is when it gets really wild.
Interesting perspective. I see it differently — happy to elaborate.
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