International allocation: 20% or 40%?
The math on expense ratios is eye-opening. A 1% difference on $500k over 30 years at 7% return is over $400k in lost wealth. Fees are the only guaranteed headwind in investing.
79 Comments
This is the post I needed. Exactly my situation.
How did this perform during the 2022 drawdown?
Mind sharing your full allocation?
What's your thoughts on the downside risk here?
The compounding at year 20+ is when it gets really wild.
Been saying this for years. Nice to see it laid out clearly.
Exactly. The sequence-of-returns issue is severely underappreciated.
What's your thoughts on the downside risk here?
Curious about the rebalancing approach. Annual or threshold-based?
The fee math always surprises people when you actually do it out.
Have you considered the tax implications of this approach?
I respectfully disagree. The data suggests otherwise.
Love the transparency. This community needs more of this.
Appreciate you sharing the L's too. Most people only post wins.
This is the post I needed. Exactly my situation.
Any thoughts on doing this in a taxable account?
The exit strategy is what most people don't think about.
Appreciate you sharing the L's too. Most people only post wins.
What's your target withdrawal rate in retirement?
The math here is solid. This is what people miss.
Appreciate the transparency here. Most people gatekeep this stuff.
Exactly. The sequence-of-returns issue is severely underappreciated.
I ran the same numbers. You're on the right track.
Exactly. The sequence-of-returns issue is severely underappreciated.
What's your thoughts on the downside risk here?
How did this perform during the 2022 drawdown?
Not financial advice but I'm doing the exact same thing.
What's your thoughts on the downside risk here?
FIRE community is the most underrated corner of personal finance.
How does this compare to just buying VTI and forgetting about it?
This is essentially what a financial advisor charges $5k to tell you.
Have you considered the tax implications of this approach?
The fee math always surprises people when you actually do it out.
This is a solid framework. Saving this post.
Have you considered the tax implications of this approach?
Fees really do compound in the wrong direction.
Appreciate the transparency here. Most people gatekeep this stuff.
Any thoughts on doing this in a taxable account?
What's your target withdrawal rate in retirement?
Counterintuitively, the best time to buy is when you're most scared.
I was skeptical at first but this changed my mind.
The hardest part is just not touching it during a crash.
Exactly. The sequence-of-returns issue is severely underappreciated.
I was skeptical at first but this changed my mind.
Curious about the rebalancing approach. Annual or threshold-based?
FIRE community is the most underrated corner of personal finance.
I've been burned by this before. Your caution is warranted.
What brokerage are you using for this?
The hardest part is just not touching it during a crash.
Appreciate you sharing the L's too. Most people only post wins.
Curious about the rebalancing approach. Annual or threshold-based?
I've been burned by this before. Your caution is warranted.
This is the post I needed. Exactly my situation.
What brokerage are you using for this?
Good luck! Keep us updated.
The international allocation debate never gets old.
How did this perform during the 2022 drawdown?
Real talk: most people can't stick to this when it gets hard.
Interesting perspective. I see it differently — happy to elaborate.
I was skeptical at first but this changed my mind.
I've been thinking about this too. What's your time horizon?
Be careful about survivorship bias in this analysis.
What's your target withdrawal rate in retirement?
Not financial advice but I'm doing the exact same thing.
I respectfully disagree. The data suggests otherwise.
Good luck! Keep us updated.
This is essentially what a financial advisor charges $5k to tell you.
Done similar analysis. Your numbers check out.
The math here is solid. This is what people miss.
Been saying this for years. Nice to see it laid out clearly.
The compounding at year 20+ is when it gets really wild.
How did this perform during the 2022 drawdown?
Appreciate you sharing the L's too. Most people only post wins.
Done similar analysis. Your numbers check out.
Curious about the rebalancing approach. Annual or threshold-based?
Great post, thanks for sharing this.
The international allocation debate never gets old.
Good luck! Keep us updated.
Have you stress tested this against a 40% drawdown?
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