 Quote:
Originally Posted by ats5g
Well I was just thinking of just moving the 10% in Contrafund to small cap and totally ditching the Templeton EM fund. 1.41%?? IMO, that's way, way to high, especially compared to the 0.37% of the Vanguard EM fund.
Vanguard Institutional Index (S&P 500) - 25%
Vanguard Total International Stock Index Fund;Investor -30%
Vanguard REIT Index Fund;Institutional - 5%
Vanguard Mid-Cap Index Fund;Institutional -10%
Vanguard Small Cap Index Fund - 10%
Vanguard EM Fund - 10%
Vanguard Total Bond Market Index Fund - 10%
or if you want more EM
Vanguard Institutional Index (S&P 500) - 20%
Vanguard Total International Stock Index Fund;Investor -25%
Vanguard REIT Index Fund;Institutional - 5%
Vanguard Mid-Cap Index Fund;Institutional -10%
Vanguard Total Bond Market Index Fund - 10%
Vanguard EM Fund - 20%
Vanguard Small Cap Index Fund - 10%
- alec
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If you can tolerate this risk profile, it seems pretty good. Based off of the first suggestion you have 85% equity, 10% bond, 5% REIT. Breaking it down a little more, it is 45% domestic, 40% international, 10% bond, 5% REIT. This is definitely a risk profile that I would tolerate, especially considering your age. Also, if you braek down the domestic and international, you have 3 to 1 Total internationl to emerging markets (a good balance) and a 55%-22%-22% (large (s&p), mid, small) breakdown for domestic, which mitigates some of the risk, but you could even go a little more overweight on the smallcap if you prefer. Anyway, the low ERs and solid balance makes this a good portfolio plan IMO.
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