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@BillWinterberg @daniel_egan @MichaelKitces Academics’ rule of thumb: beware “in theory” arguments that don’t specify theory 😉 Even if robos’ prescribed asset allocations are fixed-share, ideal one is VERY unlikely to be. Eg future expenses don’t multiply (kids’ college) nor do income, tax brackets, IRA limits, …On twitter.com
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Mood +2 🙂