chaz wrote:Vanguard has a Precious Metals fund with a lower ER than USAA.
Dodger wrote:I've come to a tentative decision based on some of your input:
Large US 42%: VTI, C Fund
Small US 18%: VTI, S Fund
Large International 20%: I Fund
Small International 2.5%: VSS
Emerging Markets 7.5%: VWO and VSS
Real Estate 5%: VNQ
Bonds 5%: G Fund (special TSP fund that offers long term rates on short term govt. bonds)
Asset Weighted Expense Ratio: .08% (can't get much lower) and dropping as I get more money in the TSP.
I decided to go with the 120-age for stock:bond ratio. I was 100% in stocks in the fall of '08 and it didn't bother me. I think I have a pretty high risk tolerance and I won't stray from my AA based on market conditions. Thanks for opening my eyes to VSS. I never would have considered that without the advice here. I decided to stick with the I fund b/c of the low expense ratio- .028% v. VEU (.25%). I can save much more there compared to C/S and VTI (.028% v. .07%). VEU's expense ratio bothers me b/c it's pretty much made up of VEA (.15%) and VWO (.27%), so it should have a lower expense ratio.
The best part of this portfolio is that I can feel comfortable knowing that I am investing with my principles: low cost index funds.
It's going to be about a week or so before I start putting the plan into motion, so if anyone else wants to offer some advice feel free.
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