I am trying to create a portfolio based on the rational investing portfolio model.
So far It looks like that:
28% US large caps with value tilt
9% US small caps
14% foreign large caps - developed markets
6% foreign large caps - emerging markets
6% REITs
5% money market fund
11% International bonds
21% US intermediate bonds (mix of treasuires, corporate, and high yield bonds)
I have a few asset classes missing in my portfolio right now: foreign small caps, and commodities.
But after much research I have not been able to find a foreign small cap fund I like. Many of them are closed to new investors (like VG Int'l explorer, which would be my favorite candidate), others require high initial investment. Do you have any suggestion?
Also, I would like to invest about 7% of my portfolio in commodities/energy. I like the Vanguard Energy fund, but because of the high initial investment required, it's out of my reach right now. I would like to find a well rounded commodity fund (no load, and with an initial investment of ~3-5K) which has a tilt toward oil/gas. I hear many people like PCRIX, but again, the initial investment is too high for me, though I was wondering if what looks like its sibling PCRDX could work for me (it's offered with NTF, so I could DCA into that one).
I am not looking at ETFs right now because I will DCA into those funds for many years to come.
Thanks for your help.
So far It looks like that:
28% US large caps with value tilt
9% US small caps
14% foreign large caps - developed markets
6% foreign large caps - emerging markets
6% REITs
5% money market fund
11% International bonds
21% US intermediate bonds (mix of treasuires, corporate, and high yield bonds)
I have a few asset classes missing in my portfolio right now: foreign small caps, and commodities.
But after much research I have not been able to find a foreign small cap fund I like. Many of them are closed to new investors (like VG Int'l explorer, which would be my favorite candidate), others require high initial investment. Do you have any suggestion?
Also, I would like to invest about 7% of my portfolio in commodities/energy. I like the Vanguard Energy fund, but because of the high initial investment required, it's out of my reach right now. I would like to find a well rounded commodity fund (no load, and with an initial investment of ~3-5K) which has a tilt toward oil/gas. I hear many people like PCRIX, but again, the initial investment is too high for me, though I was wondering if what looks like its sibling PCRDX could work for me (it's offered with NTF, so I could DCA into that one).
I am not looking at ETFs right now because I will DCA into those funds for many years to come.
Thanks for your help.