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Isn't owning the "mediocre" companies the main argument towards value tilting. That the "best" companies tend to be over priced and thus under perform because too many investors follow the advice set forth in this book.

I havn't used it but there is an article from long term returns that goes over pros & cons compared to VG life Strategy. Here is the link http://www.longtermreturns.com/2012/03/ ... ategy.html

I would think about 5 million not including SS if the cash and treasuries were able to keep pace with inflation. 4% SWR assumes some growth & cash would likely not even keep up with inflation

Not all but for some of them the use of non public information

Kevin M wrote:Somewhat moot since you've already pulled the trigger, but here is my attempt to summarize the debate regarding the total market approach vs. the slice and dice approach: Lumpers vs. Splitters.

Kevin

Yup the splitter argument is what caused the change.

I think you can simplify by starting with the Total Stock Market and overweighting small and value. In other words, forget about the large value tilt. Instead, do something like this: VTSMX-20%--Vanguard Total Stock Market Index Fund VISVX-20%--Vanguard Small-Cap Value Index Fund VGSIX-10%--Vanguar...

Your portfolio is similar to mine (although I overweight emerging markets as well). You need to recognize that you are taking an extra risk by overweighting small-cap and value; you may be rewarded for that risk, but if you don't want to take the extra risk, you might use a slice-and-dice portfolio...

For those who haven't memorized the ticker symbols: VTSMX-20%--Vanguard Total Stock Market Index Fund VIVAX-10%--Vanguard Value Index Fund VISVX-10%--Vanguard Small-Cap Value Index Fund VGSIX-10%--Vanguard REIT Index Fund VBMFX-10%--Vanguard Total Bond Index Fund VGTSX-20%--Vanguard Total Internati...

sometimesinvestor wrote:To be fair to Cramer the quote is a bit out of context and the bulk of the article emphasizes not worrying about the short term.

You are correct I just find it funny that anyone would ever consider that a "cardinal rule"

I just read this article by Cramer on MSN and one quote in particular made me laugh. Just wanted to share "We own it for ActionAlertsPlus -- and here I was, so excited about the coming break-up into the fast -growing Fox entertainment properties and the slower-growing publishing enterprise, tha...

I graduated college in 2011. I worked about 20 hours a week while in school, plus around 5 hours a week of volunteering and graduated with a respectable, if not spectacular GPA. I've had no trouble finding a job since. I worked on campus jobs while in school, which meant I got experience in a profe...

Thanks for the responses, I went ahead and pulled the trigger yesterday and added a reit US SV US LV emerging and International small value. No idea if it's going to work out better than a three fund approach I guess I'll get the answer in 30 years but I did it on a small enough scale that it hopefu...

I currently have all of my retirement funds in the 2040 vanguard target date fund, I was thinking of switching it to the following VTSMX-20% VIVAX-10% VISVX-10% VGSIX-10% VBMFX-10% VGTSX-20% VTRIX-10% VSS-10% I'm 40 yeras old roughly 25-30 years until I plan to retire. I would adjust the Stock/bond ...