Jane_Doe
Recycles dryer sheets
Hi, all!
I’m Jane Doe, a new old member coming back to the fold and hoping to get some good advice and input on my small starter portfolio.
So that you know where I am coming from with my background please see where I have posted a “Hello, I am” thread link here:
https://www.early-retirement.org/forums/f26/new-old-member-back-and-ready-to-go-104329.html
[If you don’t want to read the long version - Cliff Notes Version:
DH semi-retired, 67. collecting ss early, on medicare/VA healthcare
Me,59, poss early retire - currently collecting unemployment (and ACA of all things!)
Own a commercial strip mall and live off income, husband maintains/manages
Wish to retire and travel/visit far away family]
--->Thanks in advance for any comments and guidance. I truly appreciate it!
I*am*curious*as*to*your*opinion*if*this*seems*likea*good*balance*for*us.
Our*criteria is 1) safe 2) on*conservative*side & 3) no*international*(personal*opinion)
This is due to our nature (esp DH when market tanks) and that over the past 40 years, whenever we have bought into stock investments it tanked, and any RE investment we made was great.
Our plan is to invest $100,000 in Vanguard funds as a starter portfolio that will give us a feel for being in the market. Then, when we sell our commercial property, we can follow that for our final retirement income portfolio.
[Cutting and pasting below so sorry for any weird formatting]
NOTE:we*do*have*$20,000cash*reserve*in*cd's*at*around*1.2%**
*already*so*the*portfolio*money*is*cushioned
by*the*separate*savings.***I*would*plan*if*we*later*on
have*around*a*million,*keeping*about*150-200k*set
aside*in*safe*liquid*as*draw*down*money*with*a*4-5%
draw.* Reinvest earnings and rebalance annually
only*other*income*at*retirement*is*about*18,000 in soc*sec
total*for*both*of*us.**we*always*invested*in*real*estate*a
and*were*self*employed*-*paid*least*amount*/*no*ss
when*possible.**never*did*think*I*would*collect*haha
breakdown**100K*for*now/*hoping*for*800k-1.2m *later*on
VUSTX*******15%* * * VG long Term Treasury Inv* * * * bond
VWESX******15%* * * VG Long Term Bond * * * * bond
VGSLX********20%* * * VG Real Estate Index Admiral* RE
VWINX* * * * 20%* * * VG Wellesley Income Inv* * * * *stock/bond
VWNFX* * * 15%* * * VG Windsor II Inv* * * * * * * * * * stock/bond
VMGAX* * * * 5%* * * VG Mega Cap * * * stock
VDIGX* * * * 10%* * * VG Dividend Growth Inv* * * * * stock
23%*corp bond, 21% treasuries,* 20%* RE* and 36% stock
So, I have been using https://www.portfoliovisualizer.com/backtest-portfolio
for scenarios, performance and to check worst down periods
It seems to work on paper.* What are your thoughts?*
I appreciate your input,* Thanks
PS I can't seem to fix the above but promise not to cut and paste in future!
I’m Jane Doe, a new old member coming back to the fold and hoping to get some good advice and input on my small starter portfolio.
So that you know where I am coming from with my background please see where I have posted a “Hello, I am” thread link here:
https://www.early-retirement.org/forums/f26/new-old-member-back-and-ready-to-go-104329.html
[If you don’t want to read the long version - Cliff Notes Version:
DH semi-retired, 67. collecting ss early, on medicare/VA healthcare
Me,59, poss early retire - currently collecting unemployment (and ACA of all things!)
Own a commercial strip mall and live off income, husband maintains/manages
Wish to retire and travel/visit far away family]
--->Thanks in advance for any comments and guidance. I truly appreciate it!
I*am*curious*as*to*your*opinion*if*this*seems*likea*good*balance*for*us.
Our*criteria is 1) safe 2) on*conservative*side & 3) no*international*(personal*opinion)
This is due to our nature (esp DH when market tanks) and that over the past 40 years, whenever we have bought into stock investments it tanked, and any RE investment we made was great.
Our plan is to invest $100,000 in Vanguard funds as a starter portfolio that will give us a feel for being in the market. Then, when we sell our commercial property, we can follow that for our final retirement income portfolio.
[Cutting and pasting below so sorry for any weird formatting]
NOTE:we*do*have*$20,000cash*reserve*in*cd's*at*around*1.2%**
*already*so*the*portfolio*money*is*cushioned
by*the*separate*savings.***I*would*plan*if*we*later*on
have*around*a*million,*keeping*about*150-200k*set
aside*in*safe*liquid*as*draw*down*money*with*a*4-5%
draw.* Reinvest earnings and rebalance annually
only*other*income*at*retirement*is*about*18,000 in soc*sec
total*for*both*of*us.**we*always*invested*in*real*estate*a
and*were*self*employed*-*paid*least*amount*/*no*ss
when*possible.**never*did*think*I*would*collect*haha
breakdown**100K*for*now/*hoping*for*800k-1.2m *later*on
VUSTX*******15%* * * VG long Term Treasury Inv* * * * bond
VWESX******15%* * * VG Long Term Bond * * * * bond
VGSLX********20%* * * VG Real Estate Index Admiral* RE
VWINX* * * * 20%* * * VG Wellesley Income Inv* * * * *stock/bond
VWNFX* * * 15%* * * VG Windsor II Inv* * * * * * * * * * stock/bond
VMGAX* * * * 5%* * * VG Mega Cap * * * stock
VDIGX* * * * 10%* * * VG Dividend Growth Inv* * * * * stock
23%*corp bond, 21% treasuries,* 20%* RE* and 36% stock
So, I have been using https://www.portfoliovisualizer.com/backtest-portfolio
for scenarios, performance and to check worst down periods
It seems to work on paper.* What are your thoughts?*
I appreciate your input,* Thanks
PS I can't seem to fix the above but promise not to cut and paste in future!