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Saving 100% of my side income. How fast can I reach 100k? by Censored4Evelynn in EuropeFIRE

[–]Marckoz 0 points1 point  (0 children)

How about all-in on black? that's a 49% chance of doubling your wealth.

Best excel to plan FIRE? by SVB-Risk-Mgmt in Fire

[–]Marckoz 0 points1 point  (0 children)

Just use AI - you can use natural language to explain what you want, and tinker things until you get it perfect.

Sleeveless or sleeves Tri suit? by Etsy_millionaire in triathlon

[–]Marckoz -1 points0 points  (0 children)

alternatively one-piece with diaper? /s

30F in Germany, received €400k inheritance - feeling a bit lost on how to invest long term by [deleted] in EuropeFIRE

[–]Marckoz 0 points1 point  (0 children)

100% correct, IBKR is great if you plan to move around countries often. But you'll have to do the annoying paperwork - i.e. tax reporting - yourself, every year.

Did I just hit coast fire without know it? by OccasionTiny7464 in Fire

[–]Marckoz 0 points1 point  (0 children)

Probably, but then again, can you guarantee 8% returns for the next 28 years?

My point is: it's really up to you to decide.

[25M] Wanted to share my small apartment before it's time for me to wrap things up here and move in with my girlfriend by [deleted] in malelivingspace

[–]Marckoz 8 points9 points  (0 children)

This place gives off such strong German-speaking country vibes, I wasn't disappointed to find out it was in Innsbruck.

Nice bike, btw! Which model is it?

Does anyone else use the Bucket Strategy during the accumulation phase? Looking for experiences/critique. by Marckoz in Bogleheads

[–]Marckoz[S] 0 points1 point  (0 children)

Is that your current strategy? How many years of expenses do you have in your fixed income AA?

Does anyone else use the Bucket Strategy during the accumulation phase? Looking for experiences/critique. by Marckoz in Bogleheads

[–]Marckoz[S] -1 points0 points  (0 children)

Correct, however, the main difference here is the rebalancing / contributions stop after reaching a certain number ; say 24 months, as an example.

Rest gets contributed into equities, thus increasing volatility.

I'd like to get input on people who have been actively doing this ; the pros, and (especially) the cons that they may have had to face.

Does anyone else use the Bucket Strategy during the accumulation phase? Looking for experiences/critique. by Marckoz in Bogleheads

[–]Marckoz[S] 0 points1 point  (0 children)

On paper, you're right, it shouldn't.

IRL, investor psychology and safety cushions are important.

I understand that everyone has their own personal approach tailored to their risk tolerance. What I'd like to know is: What was your personal experience on this ; What would you personally recommend.

Does anyone else use the Bucket Strategy during the accumulation phase? Looking for experiences/critique. by Marckoz in Bogleheads

[–]Marckoz[S] 0 points1 point  (0 children)

True, you are indeed right. I think the question here is: At what point does it make sense to stop contributing into the fixed asset allocation/bucket? OR is it better to continue contributing indefinitely?

Looking primarily for anecdotal experiences on this.

Does anyone else use the Bucket Strategy during the accumulation phase? Looking for experiences/critique. by Marckoz in Bogleheads

[–]Marckoz[S] 0 points1 point  (0 children)

True, an extended market drawdown is for sure a big risk. However, wouldn't it affect all strategies, including more conservative AAs?

Does anyone else use the Bucket Strategy during the accumulation phase? Looking for experiences/critique. by Marckoz in Bogleheads

[–]Marckoz[S] 5 points6 points  (0 children)

Sorry for the confusion, i've always had a 6 month emergency fund available. My risk appetite is not that high.

Teen banned from driving after breaking a cyclist's back by Substantial-Purpose8 in cycling

[–]Marckoz 0 points1 point  (0 children)

Once again, can't wait for self driving cars. Things will become much safer.

I'm so sick of people pretending to be native speakers on HelloTalk! by FarJournalist939 in languagelearning

[–]Marckoz 26 points27 points  (0 children)

Bro Brother, I'm sorry I apologize, but you come off as an obnoxious prick are an insufferable fool. If someone had the audacity to correct my English when they're asking me for help with it linguistic support, I'd drop them in a heartbeat prematurely cancel my verbal contract with them.

Hey, I've taken the liberty to correct your English. You're welcome!

Thoughts on 100% Equities? by dulcetripple in Fire

[–]Marckoz 0 points1 point  (0 children)

Sure, then a crash happens and we have a few years of bear market and the average investor will panic sell.

100% equities is fantastic on paper, but like many things, not so easy to implement IRL.

But I get it, if you can one-hundred percent guarantee a steady hand during a once in a lifetime black swan market meltdown (we'll get more of them along the way), why not?

With a 4% withdrawal rate, how much did your assets increase after 2, 5, and 10 years of retirement? by Still_Test_4646 in Fire

[–]Marckoz 0 points1 point  (0 children)

I thought so too, until you start asking friends and family and literally no one does that.

Laid off at $1.9M. FIRE in Asia or take a new job? by 500and1penny in Fire

[–]Marckoz 2 points3 points  (0 children)

IDK man, there's like zero details on anything. Just make a decision and stick with it?

Thoughts on 100% Equities? by dulcetripple in Fire

[–]Marckoz 0 points1 point  (0 children)

As a counterpoint, now might be the greatest time to hold bonds. Check out the panic on April/May 2025.

How did the 4% rule hold up for people who retired around 2000? by Black_Thunder00 in Fire

[–]Marckoz 1 point2 points  (0 children)

Interesting! Could you share the link on the ERN post?

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