Bogleheads

The story with taxable is that it was heavily into equities prior to the market's implosion and before I really had the plan to move. So, when I brought it over to Vanguard, I kept it in equities to ...

Taxable: Completely liquid cash account with highest yield.

Tax-deferred: (go for broke)
Vanguard 2045 retirement fundDante,

Based on what you said previously - Taxable is 8 ...

Do you have any opinion on how this should fit with what appears to be FTSE's position that 90/10 is the "right" ratio for their funds to achieve "total market"? It certainly does ...

Perhaps I should have just left the taxable account out of my post. I was just following the prescribed method in the sticky post.The taxable account will be used to buy a house (hopefully outright) ...

I intend to start using the retirement accounts in about 25-30 years.

The taxable account will be used to buy a house (hopefully outright) along with the equity in the current house (~$115,000) wh ...

Here is a list of securities in approximate order of their tax-efficiency. (Least tax efficient at the top.):
Hi-Yield Bonds
Taxable Bonds
TIPS
REIT Stocks
Stock trading accounts
Balanc ...

- VFSVX is 60/40 Mid/Small (according to M* market cap guidelines) and it tracks the FTSE Global Sm-Cap ex. US Index almost to the "T".
The M* definition is that every market is split 70/2 ...

You've provided some hard data that seems to indicate that it's not so much a problem with different FTSE/M* definitions of small cap as it might be a case of the index fund not faithfully reproducing ...

There is no reason to favor large over small.

Give them equal weight.

50/50 VGTSX/VFSVX

17-16-13
12-11-12
08-07-05

I also think that you should hold 1 market component and 1 value compon ...

Diversify AggresivelyWhat should I be investing in IN my Roth IRA and my Roth 401k?

Keep in mind I am young and want a VERY AGGRESSIVE mix.Diversify aggressively? I think that's an oxymoron. Smile

O ...

I know it's been stated before but where can I find the break down of funds that should be held in IRA vs. taxable account?

http://www.bogleheads.org/forum/viewtopic.php?t=6211

Here is a list of ...

If you think M* can be trusted, then a 79/21 or 78/22 VFWIX/VFSVX split would come close to their definition of the total market

Well, just how do we know what international total market is suppos ...

Regardless of investor experience, investing decisions (or suggestions) should be made for the benefit of the investor.... period.
I think it is to the benefit of the investor to learn the bake the c ...

I realize that your thread is about market weights - especially Foreign Small as related to Total Foreign.
Yes and no. I'm very curious about what the market weight is. But mostly I want to know wh ...

VGSTX is a fund of funds, investing in the EM, Pacific, and European Index funds.
No longer.
So VGTSX is not a fund of funds any longer? Does the regional breakdown pie chart on Vanguard's site not ...

For me, I'm not gonna bother. For someone who wants it, 10% of international seems right. But since that is going to be such a small number, maybe just a straight 5% allocation is reasonable.JG,

...

I am 66 year old retired man. My wife is 64 y/o and getting ready to retire. Her 401K recently added a couple of mutual funds to the basket of funds she can chose from.fjlee,

Welcome to the foru ...

Tax Rate: 28% - Federal and 3% State (IL)

Age: 49/him & 45/her

Desired Asset Allocation: 50(35%International)/50

Current Portfolio: $400Kcordanmom,

Taxable
8.23% CD @ 5% (5/2010)

H ...

Tax Filing Status: Single

Tax Rate: 25% Federal 3% State IL
<<snip>>

401k / Roth 401k (most is Roth)
15% Vanguard Target Retirement 2030 (VTHRX) (67% TSM, 16% TBM, 9% Euro, 4% Pa ...

We recently set up ROTH's for each of them, investing the funds in STAR vgstx. Their other funds are now in Short Term Investment Grade vfstx.

I am considering moving about 75% of each position to ...

If tarnation is correct on what is in the Wiki, the FTSE Small completes the FTSE Large in a 9:1 ratio , making a real total international investment. So the style box numbers would be correct.

I ...

JG,

The MSCI Global Investable Market Indices (MSCI GIMI) was implemented in September 2008. The MSCI GIMI includes 15% in Small-Cap stocks and when combined with Mid-Caps, it is closer to 40% Mid ...

However, from the VG site - VFSVX "Seeks to track the performance of the FTSE Global Small Cap ex US Index." A common sense interpretation is they simply take the US out. However, I found ...

Hi jg,

I got the 10% number from the FTSE global small cap index series
Thanks Paul. I had searched that before, not finding what I wanted. I have edited my above comments to reflect 10%, not th ...

VGSTX is a fund of funds, investing in the EM, Pacific, and European Index funds.
No longer.Vanguard Total International Stock Index Fund (VGTSX)

Number of stocks 1768
Median market cap $30.2 bil ...

Thanks for all the good advice so far. At her age I was thinking of going to an all stock fund (or mostly stock fund) with international exposure (global?). What would be a good choice from Vanguard?J ...

Hmm.. Well, tax efficiency doesn't matter, since this is in IRAs. I guess Canada inclusion is the main difference then?
Sometimes the Canada piece can actually be seen!
http://finance.yahoo.com/q ...

Todd,

Don't forget to go through the link I posted this morning and pick-up a good book or two. Here it is again.
http://www.bogleheads.org/readbooks.htm

You should slow down!

At 32 years o ...

Just to clarify, the OP has simply broken down the underlying asset allocation of the 2040 Target Retirement Fund that he is currently invested in with the 401(k).
My 401K is actually a Retirement 2 ...

Actually it is my anticipation. Thanks to our current adminsitration the US is growing its debt exponentially and printing money like crazy. To me that means inflation and higher rates in the future.t ...

Thank you everyone for your resposnes. What I was really looking for is opinions on TIPS. I currently have half of my bond portfolio in TIPS. With the anticipation of rising inflation in the future, i ...

Another question on a Wash Sale:

Assume one bought 100 shares of fund XYZ 16 months ago for $5000.
Then you bought 100 more shares 6 months ago for $3000.
You now own 200 shares with a combined c ...

Todd,

There was a lot of information in this thread.
http://www.bogleheads.org/forum/viewtopic.php?p=585968&highlight=#585968

It appears that you haven't gone through the links provided in ...

Desired Allocation: Not Sure

Funds available and current allocation in His 401K; (7.8% Company match)

Pimco Total Return Instl (PTTRX) - 4.03%
DFA Global Real Estate Securities (DFGEX) - 4.9 ...

I am about 5 years away from retiring and my current total portfolio allocation is 60/40. At retirement (age 62) I'm planning on an allocation of about 40/60. The 60% in stock now is my attempt to cat ...

Taylor, whenever I read about "Staying the Course" it ends with the need to, of course, rebalance periodically. What if rebalancing presents a serious challenge, and one wants to simply div ...

Hello, I'm a new poster to Bogleheads. Per a friendly response to my original post, I'm changing the format. The main question is what to do with the non-equity portion of my portfolio? I'm interes ...

Here's what I've come up with (using various suggestions). This should be a mix of 80%/20% stock/bond with 36% Int'l:

Taxable - 44%
13.7% 500 Index VFINX
10.0% Total Stk Mkt VTSMX
20.3% FTSE ...

I'm writing on behalf of my father-in-law. He has $40k in a taxable account and is looking for some additional retirement income.I just sent him another email asking if he would like to withdraw the ...

But if you do tend to agree with the "commonly accepted" view that younger investors should be mostly in stocks, I believe you are implicitly implementing the Milevsky strategy whether you r ...

Also YDNAL wrote:

"Don't let anyone tell you that spreading (or dividing) TR funds is optimal investing by any means - especially starting out."

To me it seems like the advice I have ...

Some selected excerpts:
An investor’s total wealth consists of two parts. One is readily tradeable financial assets, such as the assets in a 401(k) plan, individual retirement account, or mutual fu ...

Vanguard recently introduced an international small cap fund - FTSE All World Except US Small Cap VFSVX - but I don't usually recommend it because it has a expense ratio of .60% and both a purchase fe ...

YNDAL - I think you've got to shift gears into what Milevsky calls "product allocation", as opposed to asset allocation. Products include financial investment accounts (such as IRAs, 401(k) ...

When researching funds, I review their past performance which include 1,3,5,and 10 year returns. Vanguard's popular Total Stock Market Index (conservative and diversified equity fund) has a 0.84% ret ...

.
I have a very simple suggestion/approach:
Annuities generate income, that when added to other income streams, one doesn't need to go robbing banks to eat and have shelter in retirement.

"So you're 55 years old. You want to retire in the next 10 to 20 years. Here's the amount of Social Security you can expect. Here's the amount of pensions that you may or may not have, and you ju ...

My wife and I are indeed MD's as was guessed above.

Here is the new info. Should I edit the original post also?

Emergency funds = 5 months of expenses

Debt:
credit card debt $0
my scho ...

First, I wouldn't faithfully let the tail (cost) wag the dog (investing).
...but cost is the only tail that is known to reliably wag the investment dog.
.... if you have a tiny dog with a big tail a ...

I hadn't figured out which funds had loses/gains in the taxable account. Each fund in taxable has increased since time of purchase (all lump sum purchases except Total Int'l, which was in 2 lumps) an ...