Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Theoretical Investment Question for 2009
Old 12-26-2008, 02:32 PM   #1
Thinks s/he gets paid by the post
frayne's Avatar
Join Date: Oct 2002
Location: 19th Hole
Posts: 2,320
Theoretical Investment Question for 2009

How would you posture a (in my best Dr Evil voice over) one million dollar IRA portfolio for 2009?

Background, Dr. and Mrs. Evil are semi retired, no debt and in their mid fifties? Current annual expenses approx. $40K.

frayne is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 12-26-2008, 02:47 PM   #2
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
Join Date: Jun 2005
Posts: 7,661
I'll assume no taxable investments except perhaps a MMfund with 12 months of expenses. The IRA will then hold:

25% VTI Vanguard total stock market
25% VEU Vanguard FTSE all-world
25% VIPSX Vanguard TIPS, but pick the admiral share class
25% VFIIX Vanguard GNMA fund, but pick the admiral share class

If you wanted more risk, then move up to half of the VTI (12.5% of portfolio total) to VBR Vanguard small cap value and/or move up to half ofthe the VEU to either GWX or DLS or the soon-to-be opened Vanguard small cap international ETF.

As market goes lower, I'd sell out of the GNMA fund and move to the equity ETFs until I had about 60% equities.

oh, full disclosure: I own shares of VTI, VEU, VIPSX, VFIIX, and GWX. Instead of VBR, I own IJS.

LOL! is offline   Reply With Quote
Old 12-26-2008, 04:21 PM   #3
Thinks s/he gets paid by the post
Join Date: Jul 2005
Posts: 3,801
12% cash just in case, spend it before equities.
88% equities, with a roughly even split foreign/US, growth/value, large/small, plus EM, RE, and energy.
Animorph is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
theoretical internet connection question Khan Other topics 14 09-08-2008 07:13 PM
Where to go from here? (Investment Question) GatorBuzz FIRE and Money 6 06-05-2007 12:27 PM
Roth/Investment Question macdaddy FIRE and Money 3 03-22-2006 08:50 AM
Investment Structure Question frayne FIRE and Money 7 07-20-2005 08:05 AM
Question for Investment Gurus ........... Cut-Throat FIRE and Money 10 02-09-2004 08:16 AM


All times are GMT -6. The time now is 03:17 AM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2016, vBulletin Solutions, Inc.