I think - finally - I've decided to implement the following over the next year:
VB - Vanguard small-cap etf 5%
VO - Vanguard mid-cap etf 5%
VV - Vanguard large-cap etf 5%
VEA - Vanguard Europe-Pacific etf 10%
VWO - Vanguard Emerging Mkt etf 5%
VNQ - Vanguard REIT 5%
RWX - DJ Wilshire Intl Real Estate 5%
HSGFX - Hussman Strategic Grwth 15%
-----------------------------------------
Total stocks/REITS 55%
BND - Vanguard Total bond market 22.5%
HSTRX - Hussman Strat Tot Return 22.5%
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Total "fixed" income 45%
Total expense ratio (per Morningstar): 0.46%
I like having some managed coverage. While HSTRX is not a true bond-only fund, I like the fact that he can be up to 30% in utilities, gold companies and foreign currencies when he considers them undervalued. So a little extra diversification. Plus he has just cleaned the clock on BND (VBMFX) over the past 5 years...
I am 45 and thinking about pulling the plug next month.
Any thoughts/suggestions/criticisms of the portfolio?
VB - Vanguard small-cap etf 5%
VO - Vanguard mid-cap etf 5%
VV - Vanguard large-cap etf 5%
VEA - Vanguard Europe-Pacific etf 10%
VWO - Vanguard Emerging Mkt etf 5%
VNQ - Vanguard REIT 5%
RWX - DJ Wilshire Intl Real Estate 5%
HSGFX - Hussman Strategic Grwth 15%
-----------------------------------------
Total stocks/REITS 55%
BND - Vanguard Total bond market 22.5%
HSTRX - Hussman Strat Tot Return 22.5%
------------------------------------------
Total "fixed" income 45%
Total expense ratio (per Morningstar): 0.46%
I like having some managed coverage. While HSTRX is not a true bond-only fund, I like the fact that he can be up to 30% in utilities, gold companies and foreign currencies when he considers them undervalued. So a little extra diversification. Plus he has just cleaned the clock on BND (VBMFX) over the past 5 years...
I am 45 and thinking about pulling the plug next month.
Any thoughts/suggestions/criticisms of the portfolio?