Year-end portfolio review — full breakdown and changes

Have you stress tested this against a 40% drawdown?

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

How did this perform during the 2022 drawdown?

Love the transparency. This community needs more of this.

I respectfully disagree. The data suggests otherwise.

The exit strategy is what most people don't think about.

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

This is the way.

Counterintuitively, the best time to buy is when you're most scared.

This is either genius or the most expensive lesson of your life.

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

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

Be careful about survivorship bias in this analysis.

Great post, thanks for sharing this.

This is exactly what I needed to read today.

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

Have you considered the tax implications of this approach?

Mind sharing your full allocation?

Counterpoint: what happens if rates stay elevated longer?

Counterpoint: what happens if rates stay elevated longer?

I was skeptical at first but this changed my mind.

This is a masterclass. Bookmarked.

Have you modeled different interest rate scenarios?

Any thoughts on doing this in a taxable account?

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

Be careful about survivorship bias in this analysis.

I ran the same numbers. You're on the right track.

Curious about the rebalancing approach. Annual or threshold-based?

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?

What brokerage are you using for this?

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

This is the way.

Have you stress tested this against a 40% drawdown?

This is a solid framework. Saving this post.

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

This is the way.

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

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

What's your target withdrawal rate in retirement?

What's your thoughts on the downside risk here?

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

This is the post I needed. Exactly my situation.

Love the transparency. This community needs more of this.

How long have you been doing this? Impressive numbers.

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

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

I was skeptical at first but this changed my mind.

Good luck! Keep us updated.

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

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

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

This is a masterclass. Bookmarked.

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

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

Good luck! Keep us updated.

Any thoughts on doing this in a taxable account?

This is the way.

Interesting perspective. I see it differently — happy to elaborate.

This is a solid framework. Saving this post.

Have you considered the tax implications of this approach?

Interesting perspective. I see it differently — happy to elaborate.

The international allocation debate never gets old.

The psychology of money matters as much as the math.

Fees really do compound in the wrong direction.

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

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

Done similar analysis. Your numbers check out.

How did this perform during the 2022 drawdown?

Fees really do compound in the wrong direction.

Have you stress tested this against a 40% drawdown?

Interesting perspective. I see it differently — happy to elaborate.

This is exactly what I needed to read today.

What brokerage are you using for this?

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

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

Counterintuitively, the best time to buy is when you're most scared.

This is a masterclass. Bookmarked.

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

Appreciate the transparency here. Most people gatekeep this stuff.

Have you considered the tax implications of this approach?

The behavioral aspect of investing is so underrated.

Good luck! Keep us updated.

Be careful about survivorship bias in this analysis.

Great post, thanks for sharing this.

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