Right. I always feel some FOMO, but any diversified portfolio should produce this.Yeah, a bunch of us here are more or less sticking with that.BTW, I'm sure not advocating for dynamic allocations, but for a tilted static allocation. Since the expected return for value overall is at least as high as for growth, I'm always partly missing out, but I'm also buying something at a low price.
Interestingly, it hasn't exactly been bad! Like for fun, I just ran a comparison where starting in 2010, you have $1M, and you keep adding $20K a year until now. Portfolio #1 is 100% US TSM, Portfolio #2 rebalances to 50% US Large, 50% US SV:
https://www.portfoliovisualizer.com/bac ... 2iQCG2O23f
The way some people talk, you would think the second portfolio was doing terribly. In fact, it is up to like $5.25M real. Hello early retirement!
Of course the 100% US TSM portfolio has done even better, right around $6M real. But if you had Portfolio #2 and that is bumming you out, why? It isn't that you did badly, so basically that can only be a form of FOMO.
Of course you can play around with these numbers all you like. Start it in 2000 instead, and now the tilted portfolio is up $6.6M to $5.8M. They ain't kidding about the Lost Decade! But it helped to "lose" less.
Let's keep the equity mixes the same, but add 40% TIPS to the untilted, 30% to the tilted, and start with $5M withdrawing $200K annual adjusted for inflation (this. No problem surviving, but the tilted portfolio is at $7.5M real, untilted $5.6M. Of course you are thinking I am a cheater, using less in TIPS, but that is fairly standard logic for tilters. And in fact, at the bottom in 2009, the tilted/30% TIPS is ahead of the untilted/40% TIPS. Barely, like just over and under $3M real each, but it "worked" in the sense the bottom was no worse.
And so on. Point being this has not actually been a bad century so far for the tilters among us. But yes, if you are focusing purely on accumulation in just the last period of years, you can feel some FOMO if you really want to.
Statistics: Posted by factors_are_cool — Mon Feb 09, 2026 2:38 pm — Replies 29 — Views 1849