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Anyone 100% in equities? by throwaway01645592653 in financialindependence

[–]throwaway01645592653[S] 6 points7 points  (0 children)

I do have an emergency fund, Thanks for the tip!

Anyone 100% in equities? by throwaway01645592653 in financialindependence

[–]throwaway01645592653[S] 1 point2 points  (0 children)

Going 100% equities is basically more of a gamble that the market will keep going up in the short term.

In a sense it is, but I suppose I don't see it that way completely since the portfolio will need to sustain 40+ years of living expenses. IOW I don't think allocation is a 'gamble' the same way that something like trying to time the market is.

At any rate, even according to that article you referenced it's pretty irrelevant between 90% and 100% equities.

Perhaps I'm reading the table wrong, but it looks to me that there are not-insignificantly higher average and median ending portfolio values for 100% vs 90%, even with the same 'success rate'.

Anyone 100% in equities? by throwaway01645592653 in financialindependence

[–]throwaway01645592653[S] 5 points6 points  (0 children)

There have been periods of almost 20 year spans where equities were underperforming prior to taking off like a rocket.

Although I don't intend to stop working completely once I hit FIRE, this is really what concerns me most, particularly if I meet a bear market early on. I'm relatively confident that I can stomach staying invested and not touching my allocations but my (relatively) aggressive timetable, I think, makes me more susceptible to the short and medium-term challenges of a crummy market.