@sonofmatthew It's worth optimizing but I don't know of a way to do that. Getting BKR is definitely not an optimization, rather a completely different portfolio strategy with much reduced diversification.
@sonofmatthew Dividends are usually too low for this to matter. Average of 2% of your investment. Then apply 15% tax on that. Essentially it's 0.3% of your investment...
@michunt First of all no strategy is guaranteed. Second of all pre cost performance based on what? You are making these assumptions on last performance.
@johng3624 Yes I could stop working for 6.5 years with these savings, assuming zero growth. My retirement goal is to get to 30 so I still have a long way to go.
@strobertofsalzburg That's not true. Some funds vastly overperform. However choosing the right fund to invest it is the issue. You do know know which will overperform. Similar issue with stocks.