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I'm still new here and learn a lot from Audrey who makes compelling arguments about the benefits of rebalancing. I have a black sock and a white sock. When my black sock shrank I trimmed some of my white sock and added to the black sock ... I'll just trust Audrey that I'm better off.

OP here ... Thanks all for the perspective on this. My portfolio is simple and boring because that's the limit of my understanding (as Mr._Graybeard advises). Not hearing any ringing endorsements of Mr. Swedroe's alternative approach I thought it might be interesting to capture the prices of...

I found this article to be helpful but I'm curious about Swedroe's conclusions and wondered what this group makes of them: Swedroe: 4 Horsemen Of Your Portfolio | ETF.com Nothing too controversial I think about the sources of risk going forward but I'd like to better understand his proposed...

I'd been quite aggressively rebalancing in my tax deferred accounts until I saw some references on this forum that too frequent rebalancing hurts performance so I fired up Portfolio Visualizer and tested what options they have (none, monthly, quarterly, semi-annually, annually, and the 5% / 25%...

Here is another similar resource but with also with these charts for added fun https://novelinvestor.com/asset-class-returns/ S&P 500 Sector Returns International Stock Market Returns Emerging Stock Market Returns

Big fan of Portfolio Visualizer ... one feature I'd missed before is that you can model sequence of returns outcomes in the Monte Carlo application. It lets you pack your worst year(s) up front versus randomly distributed to see how you'd fare. Sobering ...

Kaiser interactive map showing tax credit comparison between ACA and AHC This was a real eye opener showing county by county differences ... Tax Credits under the Affordable Care Act vs. the American Health Care Act: An Interactive Map | The Henry J. Kaiser Family Foundation

I seem to be doing a big loop around the southeast/southwest US (clockwise though ... this is NASCAR country so I'm doing it wrong): Albuquerque, NM (born & raised) Las Cruces, NM Los Alamos, NM Colorado Springs, CO Augusta, GA Dallas (metro), TX by 2018 back to New Mexico for good Americans...

Thanks kimcdougc for the inspiration. I'm envious of your RV experience ... If I was single I'd go in a heart beat ... my wife ... not so much. That's OK there are lot's of other appealing paths too we both enjoy. FreeBear you hit on a really key point for us. Two years ago when I started...

Thanks VFK57 for the tip. Looking good with FIRECALC with 95% success rate using conservative assumptions. Lot's more to study and investigate this year as we prepare.

Thanks for the reply. I've learned a lot from your posts and others here. I first became interested in this approach by studying sector return charts like these https://novelinvestor.com/sector-performance/ I backtested a few different scenarios like keeping just the top sectors from the...

Hello. I’ve begun using an equal sector approach for my domestic allocation. Searching the forums I find a couple of references to people intrigued by the idea but I didn’t find anyone reporting on results or their experience with it. I'm hoping some of you who've given it a go will comment...

Hello. I’ve been lurking and learning for some time and thought I’d introduce myself. When it dawned on me a few years ago I might actually be able to retire early after crunching some numbers I worried I was nuts or missing something big. Finding this forum and reading it daily since has...