Can you explain Roth IRA's to me in idiot terms?

[iamthewalrus_3]

@Surreal

No. Historically a 90/10 portfolio has not outperformed 100% equities over the long term, and a 80/20 portfolio certainly did not outperform

I stand corrected. I really thought this was true, but I confirm from your cite and others that it’s not.

It’s also worth noting that the “rebalancing bonus” is a zero-sum game. We can’t all achieve higher returns simply by rebalancing.

Sure, but we’re not all going to. Those of us who rebalance can.