You should go live on UA-cam. One a week, you can teach and answer questions. Thank You for sharing the knowledge, I’m a new listener and have definitely learn more about investing from your channel.
Thank you so much for your thoughts and input on my portfolio . I know SCHD and DGRO overlap but liked both so instead of choosing just grabbed both. You have me reconsidering FBALX now and will look into the Vanguard life strategy as you mentioned. From New York but you were close and this is in my Roth IRA. Thanks again great breakdown
I’m a 3 fund guy: 55% VOO, 25% VYM, and 20% VBR (I added VBR after watching one of Rob’s videos and researching). Results in about 63% S&P weighting, 17% other large cap, and 20% small cap value. I like this diversification (and realize VTI could be used but I like more focused small cap value and tilt towards higher dividend yield…just my preference). Since approximately 30%+ of S&P 500 sales are non-US based, I don’t think international is needed. I’m also not a Bond guy until yields improve (which looks like they will start over the next few years to control inflation). My two cents. I’m a fan of buckets, so plan to build 5 year cash/short term bond bucket when retirement nears. I know Rob isn’t a big fan of the Bucket Strategy but I like it and the peace of mind of knowing I have 5 years to wait out a down market plus a couple more years to live off dividends if needed. Any thoughts?
I'm so happy i found this show, very helpful for creating a sound portfllio. Hope that more people will join over time. Besides Paul Merriman one of the few UA-camrs who also cares about older investors, who might already "compounded" enough and still have to decide where to put the money in.
I'm with Bogle, I put a very small nominal amt in international, just for the purpose of easy monitoring. In 35+ years of watching all my 401k funds, the international funds (one was vanguard, one was JP Morgan FYI, tracked LG blend & LG growth) never did squat compared to U.S. stock funds, except for a couple of brief blips where they grew a slew, then pulled back. Looking at the 1yr, 3yr, 5yr, 10yr, 15yr, since inception looks of international, I see nothing but a huge drag on any portfolio, with none of the lower risk associated with bonds and money markets and CDs, which can also be a drag. As best I can tell, international gives the same risk, but without the returns. So yeah, I'm with Bogle.
DGRO holds stock of companies who have grown their dividend every year for the last 20 years or so whereas SCHD's requirement is only the last 10 years.
I should add, I am actively contributing to TLLRX, and I will be making extra contributions to VTTSX when I can, although I have been considering moving the money in this account to VFIAX.
Tesla was a great investment when I bought it for around $220 quite some time ago. Now I won't touch it. Great technology. Not so great a current investment.
A year late but hopefully your offer still goes: VGSTX 25% (Roth IRA) VWENX 25% (Roth IRA) VWIAX 45% (Traditional IRA) Cash 5% High Interest savings and CDs (2 years of expenses) In early retirement. Hoping to pull 4%/year and not touch principal. Expect this to beat 50% Equity - 50% FI Target Date Fund. What do you think? Thanks
Could you make a video on TTM Yield/SEC Yield and how these yields relate to P/E ratio? In essence how expensive is it to get yields either from a balanced fund or value fund.
Ok. Try this one. It’s a Ray Dalio and cathie wood one. I took the portion that Ray Dalio allocates for stocks, about 30% of the portfolio (I used VTI), decreased it and made room for cathie wood‘’s portfolio VTI 17% ARKK. 9.18% ARKG. 3.96% ARKW. 2.70% ARKQ. 0.90% PRNT. 0.09% IZRL. 0.09% VGLT. 40% USCI. 8% GLD. 9.08% BIV. 9.0% Tear it to shreds. I know nothing.
Rob, curious what you think about this mix. I go back and forth about the international equity allocation, and aim to keep the BND at 10-15% (need to rebalance soon). 36.3% VOO 29.6% VXUS 13% VXF 9.6% BND 6.7% VNQ 4.2% DIS 0.6% RRTCX (just started this in 401k)
Isn't it feasible to achieve a 70/30 mix for the LifeStrategy funds by going 50/50 on VASGX/VSMGX? I use AOA and AOR - basically the iShares ETF equivalents of VASGX and VSMGX. By the way, your videos on the 4% Rule have been very informative and helped me realize that I need to be careful of becoming too conservative in retirement.
Hey Rob I compared FBALX vs Vanguard Life 60/40 and the 80/20 using Portfolio Visualizer The Fidelity Balanced seems like the better option. I started 1990 to Present and it beat both those funds by a decent margin even taking the .52 ER into account. The 60/40 was outperformed by a lot the 80/20 was much closer. Maybe worth looking into this fund a bit further. Thanks Rob
@Rob Berger After some more research it seems FBALX is much closer to the well regarded Vanguard Wellington fund VWELK. Fidelity has a little higher ER but also slightly higher returns...
Rob, Could you compare the following 2035 target fund, in terms of returns, expense ratio and market downturn protection? I compared those fund with VTI, very surprised to see the downside of the funds are not any better. Your opinion? Thanks a lot! VTTHX, TRRJX, FAQTX, FFTHX
Majority of our investments are with low cost index funds. However, we still own some active-managed funds in our ROTH IRA accounts-eg. 4 American Funds, fidelity balanced fund, VG wellington fund, 2 PRIMECAP Odyssey funds. Do you think it is a good idea to convert them all to the index funds? Any advantages keeping some "good active-managed" funds?
Hi Rob, thanks for this great video. Just discovered your channel and I like it a lot. I also reviewed your recommendations on how to track a portfolio and more specifically utilizing a spreadsheet or Personal Capital to assess the asset allocation. How do you do the asset allocation assessment if you have a Target Retirement fund or the Vanguard Life Strategy Fund? They usually contain a mix of stocks and bonds (domestic and international) and I am not sure if any of the portfolio tracking applications/tools are smart enough to provide proper asset allocation analysis. Thanks
@Rob Berger, Any chance that you could compare the Vanguard 2060 target date retirement fund to the M1 Finance 2060 target date retirement funds? If you think the 2065 Vanguard TDRF would be more applicable to the M1 2060 TDRF go ahead. Also, is it wise to invest in a later TDRF to allow the fund to be more aggressive for a longer period of time?
It's an approach I've spent some time studying. Believe it or not, utilities can be volatile. And from what I've read, they aren't a really great alternative to bonds. And replacing bonds with utility stocks or even preferred stocks reduces diversification. Here's a Morningstar article on the topic: www.morningstar.com/articles/1003466/considering-bond-alternatives-preferred-stocks-and-utilities
@@rob_berger thank you. I am also taking your advice on simplifying my portfolio. I've got way too much going on with it. Guess what? I actually read that article couple days ago!
My 401k is managed by T. Rowe Price and the 2040 target date fund has an expense ratio of 0.40%. My traditional IRA is with M1 Finance. It holds the Vanguard total stock market ETF (VTI) 70%, total international ETF (VXUS) 10% and the total bond (BND) 20%. The more I learn about Vanguard has me thinking about contributing just enough for the employer match and opening a taxable account with the Vanguard 2040 target date fund because of the lower fees. I was also thinking of transferring my IRA to Vanguard as well. If I did this what would be good ETFs for my IRA since the target date fund already holds the same funds that are currently in my IRA. What would be your advice? Top
You should go live on UA-cam. One a week, you can teach and answer questions. Thank You for sharing the knowledge, I’m a new listener and have definitely learn more about investing from your channel.
Thanks again Rob. Interested to hear about your pension/annuity video.
Tax-Deferred Acct:
33% - SWLGX (use TRIRX for longer return compare but expense ratio more expensive)
28% - SWMCX (use VIMSX for longer return compare)
24% - SWSSX
15% - SFILX
Taxable Acct:
35% - SWTSX
30% - SWMCX (use VIMSX for longer return compare)
20% - SWSSX
15% - SWISX
Thank you so much for your thoughts and input on my portfolio . I know SCHD and DGRO overlap but liked both so instead of choosing just grabbed both. You have me reconsidering FBALX now and will look into the Vanguard life strategy as you mentioned. From New York but you were close and this is in my Roth IRA.
Thanks again great breakdown
I love my Vanguard Life Strategy fund, I'm in the Growth one, it's 80/20
Hi Rob - here is a Roth IRA portfolio for you to consider tearing apart!
VTI - 30%
VIOV - 15%
VEA - 20%
VWO - 15%
VNQ - 10%
BND - 10%
What is the episode where asset allocations with a pension is discussed
I’m a 3 fund guy: 55% VOO, 25% VYM, and 20% VBR (I added VBR after watching one of Rob’s videos and researching). Results in about 63% S&P weighting, 17% other large cap, and 20% small cap value. I like this diversification (and realize VTI could be used but I like more focused small cap value and tilt towards higher dividend yield…just my preference). Since approximately 30%+ of S&P 500 sales are non-US based, I don’t think international is needed. I’m also not a Bond guy until yields improve (which looks like they will start over the next few years to control inflation). My two cents. I’m a fan of buckets, so plan to build 5 year cash/short term bond bucket when retirement nears. I know Rob isn’t a big fan of the Bucket Strategy but I like it and the peace of mind of knowing I have 5 years to wait out a down market plus a couple more years to live off dividends if needed. Any thoughts?
I'm so happy i found this show, very helpful for creating a sound portfllio.
Hope that more people will join over time.
Besides Paul Merriman one of the few UA-camrs who also cares about older investors, who might already "compounded" enough and still have to decide where to put the money in.
Nancy Lugar
401k
Vinix 40%
Vmcix 15%
Vsmax 10%
Fspsx 15%
Vbtlx 20%
Thx
I'm with Bogle, I put a very small nominal amt in international, just for the purpose of easy monitoring.
In 35+ years of watching all my 401k funds, the international funds (one was vanguard, one was JP Morgan FYI, tracked LG blend & LG growth) never did squat compared to U.S. stock funds, except for a couple of brief blips where they grew a slew, then pulled back. Looking at the 1yr, 3yr, 5yr, 10yr, 15yr, since inception looks of international, I see nothing but a huge drag on any portfolio, with none of the lower risk associated with bonds and money markets and CDs, which can also be a drag.
As best I can tell, international gives the same risk, but without the returns.
So yeah, I'm with Bogle.
DGRO holds stock of companies who have grown their dividend every year for the last 20 years or so whereas SCHD's requirement is only the last 10 years.
What you said about arkk funds turned out to be spot on.
Long time fan of the DoughRoller podacast. I would love to hear your thoughts!
TLLRX: 8.6%
FXAIX: 3.9%
VASGX: 68.6%
VTTSX: 18.9%
I should add, I am actively contributing to TLLRX, and I will be making extra contributions to VTTSX when I can, although I have been considering moving the money in this account to VFIAX.
FXAIX 50%
SCHD 10%
FREL 10%
DGRO 8%
FITHX 10%
FISVX 5%
ARKW 5%
FBALX 2% just started this to slowly build up as I enter into my sixties
USPS employee here. 50% C Fund. 50% S Fund. 36k total as of 12/19/2022. Give me your worst.
Tesla was a great investment when I bought it for around $220 quite some time ago. Now I won't touch it. Great technology. Not so great a current investment.
A year late but hopefully your offer still goes:
VGSTX 25% (Roth IRA)
VWENX 25% (Roth IRA)
VWIAX 45% (Traditional IRA)
Cash 5% High Interest savings and CDs (2 years of expenses)
In early retirement. Hoping to pull 4%/year and not touch principal. Expect this to beat 50% Equity - 50% FI Target Date Fund. What do you think?
Thanks
Could you make a video on TTM Yield/SEC Yield and how these yields relate to P/E ratio? In essence how expensive is it to get yields either from a balanced fund or value fund.
Great question! I'll definitely cover it.
Educational AND entertaining! This is a super helpful series. Thank-you!
Ok. Try this one. It’s a Ray Dalio and cathie wood one.
I took the portion that Ray Dalio allocates for stocks, about 30% of the portfolio (I used VTI), decreased it and made room for cathie wood‘’s portfolio
VTI 17%
ARKK. 9.18%
ARKG. 3.96%
ARKW. 2.70%
ARKQ. 0.90%
PRNT. 0.09%
IZRL. 0.09%
VGLT. 40%
USCI. 8%
GLD. 9.08%
BIV. 9.0%
Tear it to shreds. I know nothing.
403b 40% TIEIX, 5% VSIAX, 20% BTMKX, 35% TIAA Traditional, Roth and SEP IRAs 60% VTI, 10% VBR, 10% VTV, 5% SLYV, 5% DGRO, 5% HDV, 5% VNQ taxable 100% SPLG,
Rob, curious what you think about this mix. I go back and forth about the international equity allocation, and aim to keep the BND at 10-15% (need to rebalance soon).
36.3% VOO
29.6% VXUS
13% VXF
9.6% BND
6.7% VNQ
4.2% DIS
0.6% RRTCX (just started this in 401k)
42 years old
50% voo
50%vug
3000 dollar a month pension at 55 plus healthcare.
Putting 800 a month between the two funds zero match
Roth
FSKAX - 89.08%
FTIHX - 3.82%
FXNAX - 7.10%
Hi Rob so i have 3 index funds inside my roth all vanguard with expences thanks
vtsax 30 percent 0.04
vdigx 50 percent 0.26
vwinx 20 percent 0.23
Isn't it feasible to achieve a 70/30 mix for the LifeStrategy funds by going 50/50 on VASGX/VSMGX? I use AOA and AOR - basically the iShares ETF equivalents of VASGX and VSMGX. By the way, your videos on the 4% Rule have been very informative and helped me realize that I need to be careful of becoming too conservative in retirement.
great information, watching a ton of your videos
Hey Rob I compared FBALX vs Vanguard Life 60/40 and the 80/20 using Portfolio Visualizer The Fidelity Balanced seems like the better option. I started 1990 to Present and it beat both those funds by a decent margin even taking the .52 ER into account. The 60/40 was outperformed by a lot the 80/20 was much closer. Maybe worth looking into this fund a bit further. Thanks Rob
@Rob Berger After some more research it seems FBALX is much closer to the well regarded Vanguard Wellington fund VWELK. Fidelity has a little higher ER but also slightly higher returns...
Rob,
Could you compare the following 2035 target fund, in terms of returns, expense ratio and market downturn protection?
I compared those fund with VTI, very surprised to see the downside of the funds are not any better. Your opinion?
Thanks a lot!
VTTHX, TRRJX, FAQTX, FFTHX
Majority of our investments are with low cost index funds. However, we still own some active-managed funds in our ROTH IRA accounts-eg. 4 American Funds, fidelity balanced fund, VG wellington fund, 2 PRIMECAP Odyssey funds. Do you think it is a good idea to convert them all to the index funds? Any advantages keeping some "good active-managed" funds?
Hi Rob, thanks for this great video. Just discovered your channel and I like it a lot. I also reviewed your recommendations on how to track a portfolio and more specifically utilizing a spreadsheet or Personal Capital to assess the asset allocation.
How do you do the asset allocation assessment if you have a Target Retirement fund or the Vanguard Life Strategy Fund? They usually contain a mix of stocks and bonds (domestic and international) and I am not sure if any of the portfolio tracking applications/tools are smart enough to provide proper asset allocation analysis.
Thanks
@Rob Berger, Any chance that you could compare the Vanguard 2060 target date retirement fund to the M1 Finance 2060 target date retirement funds? If you think the 2065 Vanguard TDRF would be more applicable to the M1 2060 TDRF go ahead. Also, is it wise to invest in a later TDRF to allow the fund to be more aggressive for a longer period of time?
The REAL THREE FUND PORTFOLIO 76% VTI, 12% VXUS, 12% VWO
VGT all the way
SINCE BONDS PAYOUTS ARE SO LOW, WHAT DO YOU THINK ABOUT UTILITIES INSTEAD ?
It's an approach I've spent some time studying. Believe it or not, utilities can be volatile. And from what I've read, they aren't a really great alternative to bonds. And replacing bonds with utility stocks or even preferred stocks reduces diversification. Here's a Morningstar article on the topic: www.morningstar.com/articles/1003466/considering-bond-alternatives-preferred-stocks-and-utilities
@@rob_berger thank you. I am also taking your advice on simplifying my portfolio. I've got way too much going on with it. Guess what? I actually read that article couple days ago!
My 401k is managed by T. Rowe Price and the 2040 target date fund has an expense ratio of 0.40%. My traditional IRA is with M1 Finance. It holds the Vanguard total stock market ETF (VTI) 70%, total international ETF (VXUS) 10% and the total bond (BND) 20%. The more I learn about Vanguard has me thinking about contributing just enough for the employer match and opening a taxable account with the Vanguard 2040 target date fund because of the lower fees. I was also thinking of transferring my IRA to Vanguard as well. If I did this what would be good ETFs for my IRA since the target date fund already holds the same funds that are currently in my IRA. What would be your advice?
Top
Hi rob. My ira is simple
Schg 67%
Schd 33%
Please give me some insight on it. Thanks.
I like your information but you keep the fonts so small, this old man cannot see it well.
My bad. I noticed that too late. I'll make sure the screen is bigger next time.
I sent you my portfolio. Thanks, hope you tear mine up!
thanks