in_reality wrote:I think SCHC (Schwab international small cap (0.19%ER) could also be paired with VEA to get total market (minus emerging). There must be a Vanguard fund though.
Sheepdog wrote:You aren't the only one who is having problems with USAA today. See USAA consumer complaints: http://www.consumeraffairs.com/insurance/usaa_auto.html
manwithnoname wrote:The reason your theory doesn't work is that you will never know when the market has hit bottom so its impossible to time when to buy sufficient equities to generate income needed for expenses.
toto238 wrote:Disagree. I don't want to pay higher expense ratios on my investments for extra security features that will cause more problems than they will fix.
steve_14 wrote:And in reality - in real fund results - valuations do in influence future returns, on average. Value, momentum, sector bets, do not.