Calm Man wrote:I will try to make this brief but I am paralyzed from overanalysis and need your help as my plan will be implemented beginning in January.
Do not be paralyzed any further. Take the simplest route to your goal which is:
50% Total US Bond Market Index VBMFX
50% Total World Stock Index VTWSX
13.5% Emerging Markets
This way you needn't worry about re-balancing beyond the basic 50/50 split, no need to worry and over-analyze international percentages, no need to watch international vs. domestic and fret about 'what if.' Furthermore you have the total market down to one fund and should someone else need to step in for you, they would be able to understand the process completely.
"An investment operation is one which, upon thorough analysis, promises safety of principal and a satisfactory return." | - Benjamin Graham, The Intelligent Investor