How exposed results are to panic, pauses and lifestyle creep.
😱
Panic selling
1
🍩
Present bias
2
🛒
Lifestyle creep
3
Full ranking
1
😱
Panic sellingBehaviour
98
2
🍩
Present biasBehaviour
96
3
🛒
Lifestyle creepBehaviour
90
4
🔁
Consistency as a habitBehaviour
88
5
🎢
Sequence of returns riskHorizons
85
6
🗂️
Mental accountingBehaviour
85
7
🤖
AI advice caveatsNow
80
8
🔓
Safe withdrawal ratesHorizons
78
9
🌍
Broad equity indexVehicles
75
10
🏛️
Multi-decade & legacy horizonsHorizons
70
11
🔥
FIRE variantsNow
70
12
⚖️
Opportunity costFoundations
65
13
🧓
Longevity riskHorizons
65
14
🏃
Late catch-up savingHorizons
62
15
♻️
ReinvestmentEngines
60
16
🎛️
Contributions vs rate vs timeEngines
58
17
📈
Compound interestFoundations
55
18
💵
Cash renaissance (2020s)Now
55
19
🔢
Rule of 72Foundations
50
20
🪣
Bucket strategyHorizons
50
21
🌡️
Nominal vs real returnsFoundations
48
22
🗓️
Capital gains timingEngines
48
23
✖️
Rule of 115Foundations
45
24
🌱
Early start advantageHorizons
45
25
⌛
Time value of moneyFoundations
40
26
🧾
Tax dragEngines
40
27
🧱
Bonds as ballastVehicles
40
28
💳
Debt payoff as returnVehicles
40
29
📉
Fee dragEngines
35
30
🎯
Target-date fundsVehicles
35
31
📱
Auto-invest appsNow
35
32
📅
Dollar-cost averagingEngines
30
33
🤝
Employer matchVehicles
30
34
🛟
Emergency bufferVehicles
30
35
⚙️
Paycheck automationNow
28
36
🏦
Cash & high-yield savingsVehicles
25