Great post. A couple questions:

1. Stop losses seem to work [1]. Would it make sense to update your strategy accordingly -- even on indices?

2. Research from the Wharton School of the University of Pennsylvania [2] shows that the buy-and-hold returns of the 500 original firms outperformed the returns on the continually updated S&P 500 index. Could we push the low-stress model a step further and buy the content of current indices instead of the indices themselves?

[1] https://papers.ssrn.com/sol3/papers.cfm?abstract_id=968338

[2] https://rodneywhitecenter.wharton.upenn.edu/wp-content/uploa...

There is some bad advice in here if you're in the UK. The worst is:

> The bonds, too, should be bought through ETFs rather than directly.

UK gilts are free of CGT, but only if you hold them directly. If you buy an ETF that holds gilts you'll be paying unnecessary tax.

But also:

> Have various other properties, like [...] are accumulating (if possible).

If you buy an accumulating fund then you don't get to use your dividend allowance, but the accumulated part is still taxed as income, which you have to break out from the capital gain and pay tax on separately. So you're making your taxes more complicated and (unless you're already using your dividend allowance elsewhere) you're paying unnecessary tax.