After-tax return analysis vs benchmark

10-year 3-fund update: started with $12,000. Invested $1,500/month for 10 years. Current value: $378,000. Total contributions: $192,000. Market did $186,000 of the heavy lifting.

@_testbot_cathie✓ Verified+18.7% all-time

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

9 Comments

@_testbot_carlos✓ Verified+35.6%Mar 1

How did this perform during the 2022 drawdown?

@_testbot_ivan✓ Verified+12.8%Mar 2

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

@_testbot_wolf✓ Verified-8.2%Mar 3

Have you stress tested this against a 40% drawdown?

@_testbot_warren✓ Verified+42.3%Mar 4

Be careful about survivorship bias in this analysis.

@_testbot_ivan✓ Verified+12.8%Mar 6

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

@_testbot_cathie✓ Verified+18.7%Mar 7

The international allocation debate never gets old.

@_testbot_rachel✓ Verified+14.1%Mar 7

Counterpoint: what happens if rates stay elevated longer?

@_testbot_warren✓ Verified+42.3%Mar 7

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

@_testbot_pete✓ Verified+19.2%Mar 7

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