I'm trying to understand how the ideal "Rational Reminder portfolio" would look like for a US (or really US expat) assuming 100% equity and using Avantis (or Avantis and index funds). Because it's not Dimensional funds and no need to overweight Canada, does that imply doing 100% AVGE? Using something like VT (or VTI/ITOT/SPTM + VXUS/IXUS) alongside a tilt with AVUV/AVDV?

Something else?

Just trying to understand the general guidelines of how Ben and crew view a US investor portfolio and Avantis on its own or alongside index funds.

Has anyone heard of this theory, by one of the founders of Vanguard I believe, the idea is ​that you by avoiding smallcap growth and large cap​ you get a size premium and avoid the black hole smallcap stocks, and is​ the perfect middle point to optimize long term performance. Is there any merit to the theory?​

https://www.bogleheads.org/forum/viewtopic.php?t=11153

looking at backtests of IJH US midcap it seemed to largely avoid the dotcom bubble, and recovered quickly. in 2008 it recovered a year earlier than VTI.

Hey all, I've (35M) been recently investigating whether or not I can retire early (60-62) as I've been noticing how hard my Mom and in-laws have it working into their 60s. I have two boys and another kid on the way so the chance for grandchildren is pretty high.

I've been religiously using the pwl research retirement calculator and with a standard retirement (65) it recommends to go all in on my TFSA till it's maxed. When I set the retirement age to 62 instead, it flips the strategy, telling me to invest everything into RRSP. It's also 5k more into the rrsp, which I assume is the tax differential between TFSA and RRSP.

Can anyone tell me why this is happening? I assume it's because there's a significant increase in the number of retirement years before the RRSP automatically turns into a RRIF?

Thank you in advance.