younginvestor2013
Recycles dryer sheets
- Joined
- Feb 6, 2013
- Messages
- 226
Hi all,
The thread someone else posted made me realize that my returns were materially lower than the S&P's 2014 return for the year. I don't generally pay attention much to my account balances day in and day out, or my overall asset allocation since I "set it" and am just on auto pilot going forward. I had a trusted/wise financial advisor suggest an overall asset allocation.
My returns (as calculated by Vanguard in the personal performance/portfolio analysis section of their website) for 2014 were only about 7%, and I believe the market (S&P 500) churned out about 12%.
I suspect the reason my returns were lower than is due to some funds/asset classes not performing as well. I could look into all of my funds below and see which ones brought my overall return down. But, I guess my question is more "looking forward" and seeing if I should make some changes.
On one hand, I could simplify things and put all my eggs into the S&P 500 fund and call it a day. On the other hand, I am looking at a 15-25 year horizon. So, I am willing to sacrifice some returns in one year if my overall yearly average return for that 15-25 year horizon is higher than it would be if I just put my eggs into one or two funds.
I also would prefer not to sell to trigger a taxable event, since some of these funds are non-retirement oriented.
What do you think of my asset allocation? It is listed below.
Thanks for any feedback!!
(All Vanguard ETFs)
VSS International, Small Cap 3%
VWO International, Emerging Markets 2%
VUG Domestic, Large Cap Growth 22%
VO Domestic, Mid Cap 11%
VOO Domestic, Large Cap S&P 500 Index 11%
VB Domestic, Small Cap 11%
VXUS International, Large Cap 16%
VTV Domestic, Large Cap Value 23%
The thread someone else posted made me realize that my returns were materially lower than the S&P's 2014 return for the year. I don't generally pay attention much to my account balances day in and day out, or my overall asset allocation since I "set it" and am just on auto pilot going forward. I had a trusted/wise financial advisor suggest an overall asset allocation.
My returns (as calculated by Vanguard in the personal performance/portfolio analysis section of their website) for 2014 were only about 7%, and I believe the market (S&P 500) churned out about 12%.
I suspect the reason my returns were lower than is due to some funds/asset classes not performing as well. I could look into all of my funds below and see which ones brought my overall return down. But, I guess my question is more "looking forward" and seeing if I should make some changes.
On one hand, I could simplify things and put all my eggs into the S&P 500 fund and call it a day. On the other hand, I am looking at a 15-25 year horizon. So, I am willing to sacrifice some returns in one year if my overall yearly average return for that 15-25 year horizon is higher than it would be if I just put my eggs into one or two funds.
I also would prefer not to sell to trigger a taxable event, since some of these funds are non-retirement oriented.
What do you think of my asset allocation? It is listed below.
Thanks for any feedback!!
(All Vanguard ETFs)
VSS International, Small Cap 3%
VWO International, Emerging Markets 2%
VUG Domestic, Large Cap Growth 22%
VO Domestic, Mid Cap 11%
VOO Domestic, Large Cap S&P 500 Index 11%
VB Domestic, Small Cap 11%
VXUS International, Large Cap 16%
VTV Domestic, Large Cap Value 23%