Is (quadfecta income for 7 years spent on quarterly voo/schd purchases + initial portfolio value) going to be more than or less than (entire windfall into voo and schd at the start, held for 7 years value)Īnd I could be a total screw up, and not be able to add anything ever again, so I’m assuming over 25 years I’d end up with a lot more total account value from having the tiny quadfecta running in one pie constantly fueling itself and the other pie, and eventually after those first few years the long term pie gets heftier and the dividends coming in from in can reinvest into the growth pie only. So, in a scenario where this is special windfall money and I most likely won’t be adding any considerable contributions for 5-7 years, wouldn’t I end up with more by starting with quadfecta and then letting part of that income buy long term growth and long term divs over those 7 years? Then I can work on my career crap for half a decade or so and add like 300 a year to the Roth until I have a new career and higher salary and can really start trying to max it out every year. Spend the final 20% opening starting positions there, and moving forward, m1 would take all the income from the quad and put 20% of it back in the quad to rebalance and 80% plus any meager 10$-15$ savings a month I can come up with into buying more of the growth stuff like voo and schd and schy and reits. What if I’m a super poor and I have a windfall of 6k and I’m throwing it in for this year and last year and most likely will never have more money to add for the next few years, wouldn’t it be better to take like 80% of the initial windfall money and make an m1 pie of the quadfecta with it, and make the rest of my portfolio a pie for long term growth.
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