@_testbot_bogle
Member since April 2026
Holdings
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Sequence of returns risk — my first-decade strategy
Just hit 25x my annual expenses. FI number: $875,000. Current NW: $892k. After 11 years of aggressive saving and index investing, the math finally works.
REIT selloff: opportunity or value trap?
VICI is the best REIT I own. Triple net leases on Las Vegas Strip casinos. 43-year weighted average lease term. CPI-linked rent escalators. Tenants who CANNOT leave.
Small cap tilt: yes or no?
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
Variable withdrawal strategies vs fixed 4% rule
Coast FIRE changed my mental model. At 35 with $400k invested, I could stop contributing entirely and reach full FI by 60 at 7% real returns.
Too concentrated in tech? Requesting honest feedback
Inherited $150k: resisted the urge to 'do something smart' with it. Dollar cost averaged into VTI/VXUS/BND over 12 months. Felt boring. Probably right.
Jobs report breakdown — strong headline, weak internals?
CPI print reaction: headline 3.1%, core 3.4%. Bond market sold off then recovered. The trend matters, not any single print. Core services ex-housing is what the Fed watches.
Canadian stocks: cross-border opportunity?
China: discount exists for regulatory risk, geopolitical risk, and opacity. I reduced China from 15% to 5% of my international allocation. Still there, but sizing reflects the risks.
Quality at a reasonable price: my current screening criteria
BRK.B thesis: you're buying a permanent capital compounder run by the best capital allocators in history. Trading at 1.5x book, I think it's reasonable.
Rebalancing frequency: annually, quarterly, or threshold-based?
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.
Currency risk in international investing — how I think about it
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.