RetireeRobert
Thinks s/he gets paid by the post
cash 7%
Us stocks 54%
Int'l stocks 17%
Bonds 22%
Us stocks 54%
Int'l stocks 17%
Bonds 22%
Alrighty, thanks for the participation.
FundAdvice.com - The ultimate buy-and-hold strategy (This is Merriman and colleagues classic description of a slice-and-dice asset allocation. It is a relative short, but complete, article on the subject)
Homework: After some careful thought, tell us what your desired asset allocation in terms of %stocks, %fixed income is. Give us a sentence on why you chose that split. Tell us whether you are in the total stock market weighted camp or the F-F slice-and-dice camp or somewhere in-between. Then finally tell us how you want to split up your equities into domestic and foreign.
See Index Funds | DFA Funds Approved Advisor - Dimensional Fund Advisors Approved but many folks would say that these folks did some fast moves with the numbers.Where can I find more historical returns tables for different allocations and for longer timeframes? I need more data!
See Index Funds | DFA Funds Approved Advisor - Dimensional Fund Advisors Approved but many folks would say that these folks did some fast moves with the numbers.
Taxes can be quite a drag on investment return. One can strive to have no taxable dividend and interest income and no realized capital gains each year. That is, your Form 1040 Schedule B and D can have no income. That'll can save you quite a bit on taxes. Go back to your previous tax returns and look at those schedules. Can you reduce your taxes?Which types of accounts (taxable, tax-deferred, Roths) are the most efficient for which types of assets (fixed income, REITs, TIPS, large caps, small caps, value equities, etc).
Easy homework: Post the percentage of fixed income (taxable bond funds, the bond portion of balanced and TR funds) that you have in taxable accounts.
When I was trying to find a good fund or ETF for a particular asset class, I found the info at Eric Haas's altruistfa.com site helpful. Here is a link on the foreign small cap asset class: Foreign Dev Mkts Sml Cap Funds but there is lots more info on the site....
Lastly, I agree with Darryl. Since reading, I have been looking around for some more foreign exposure in bonds and small caps – but haven’t seen much to my liking. And there is nothing offered in that area for our 401Ks. I have slowly consolidated everything I can into Vanguard – but they don’t seem to offer much in this area.