jIMOh
Thinks s/he gets paid by the post
I am currently in process of building my own investment portfolio after recovering from a divorce two years ago, and also help some friends and family out with their portfolios.
My own portfolio is 60-40 stocks-bonds right now.
I have a traditional which is 40-60
I have a Roth which is 80-20
both started with same amounts from a 401k rollover from a job I had for 6 months- total of $7k in these accounts.
I have a 401k which is 1 year old which is 60-40 with about $25k in it from 1 year of work.
The other portfolios I manage or help with have in excess of $100k in them per person.
My question is how granular do you get
Meaning 3 funds (S&P 500, foreign stock index, general bond index)
6-7 funds (S&P 500, S&P 400/mid cap index, S&P 600/small cap index, foreign large cap, foreign small cap, US bond index, foreign bond index)
or
do you go even granular that that 7-10 holdings (do you have a US long term bond, US inflation bond, corporate bond, high yield bond or just one generic bond fund, and why).
So I am asking for a holdings count, and which indexes do you use for tracking those holdings?
My own portfolio is 60-40 stocks-bonds right now.
I have a traditional which is 40-60
I have a Roth which is 80-20
both started with same amounts from a 401k rollover from a job I had for 6 months- total of $7k in these accounts.
I have a 401k which is 1 year old which is 60-40 with about $25k in it from 1 year of work.
The other portfolios I manage or help with have in excess of $100k in them per person.
My question is how granular do you get
Meaning 3 funds (S&P 500, foreign stock index, general bond index)
6-7 funds (S&P 500, S&P 400/mid cap index, S&P 600/small cap index, foreign large cap, foreign small cap, US bond index, foreign bond index)
or
do you go even granular that that 7-10 holdings (do you have a US long term bond, US inflation bond, corporate bond, high yield bond or just one generic bond fund, and why).
So I am asking for a holdings count, and which indexes do you use for tracking those holdings?