Search found 9 matches

by donebyforty
Fri Aug 18, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: Sell VTSAX to pay off car loan?
Replies: 12
Views: 823

Re: Sell VTSAX to pay off car loan?

Great summaries of what the best/right math would be here. From a behavioral standpoint, many of us are particularly motivated by debt (i.e. - to pay it off). To the degree that this nudges you to behavior that's helpful (e.g. - reducing your spending a bit to throw extra every month at the debt whi...
by donebyforty
Mon Aug 14, 2017 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: Bernstein's Simpleton's Portfolio
Replies: 40
Views: 5057

Re: Bernstein's Simpleton's Portfolio

Just want to say thanks again for everyone who commented, especially Bill Bernstein because, I mean, how does that even happen?

We'll stick with the plan and, as the Simpleton's Portfolio demands, keep it simple. :)
by donebyforty
Fri Aug 11, 2017 6:24 pm
Forum: Investing - Help with Personal Investments
Topic: Bernstein's Simpleton's Portfolio
Replies: 40
Views: 5057

Re: Bernstein's Simpleton's Portfolio

Agree that sequence of returns risk in the first ten years is the scariest time.
by donebyforty
Fri Aug 11, 2017 5:07 pm
Forum: Investing - Help with Personal Investments
Topic: Bernstein's Simpleton's Portfolio
Replies: 40
Views: 5057

Re: Bernstein's Simpleton's Portfolio

welcome to the forum! Since the Intelligent Asset Allocator was a little over your head, can I recommend one of his other, newer, shorter books called "If You Can. How Millenials Get Rich Slowly". He's generously offered it up for free here: https://www.etf.com/docs/IfYouCan.pdf How short? Only 16 ...
by donebyforty
Fri Aug 11, 2017 5:00 pm
Forum: Investing - Help with Personal Investments
Topic: Bernstein's Simpleton's Portfolio
Replies: 40
Views: 5057

Re: Need more information

donebyforty: Welcome to the Bogleheads Forum! We hold four investments: VFIAX - Vanguard 500 Index Fund Admiral Shares VSMAX - Vanguard Small-Cap Index Fund Admiral Shares VTIAX - Vanguard Total International Stock Index Fund Admiral Shares VBIRX - Vanguard Short-Term Bond Index Fund Admiral Shares...
by donebyforty
Fri Aug 11, 2017 4:37 pm
Forum: Investing - Help with Personal Investments
Topic: Bernstein's Simpleton's Portfolio
Replies: 40
Views: 5057

Re: Bernstein's Simpleton's Portfolio

That is a fine portfolio. Bonds are included for one reason - to even out the volatility of stocks. There are (2) tests for your asset allocation: 1. Can you sleep well at night? Peace of mind is priceless. 2. Can you "stay the course" in the event of a 40% turndown in the market? If you can sleep ...
by donebyforty
Fri Aug 11, 2017 4:34 pm
Forum: Investing - Help with Personal Investments
Topic: Bernstein's Simpleton's Portfolio
Replies: 40
Views: 5057

Re: Bernstein's Simpleton's Portfolio

Do you have any thoughts on this asset allocation, especially if it's appropriate for a long early retirement? I've also seen this called the "No-Brainer" portfolio. You might check out the portfolio data here: https://portfoliocharts.com/portfolio/no-brainer-portfolio/ There you can see how it per...
by donebyforty
Fri Aug 11, 2017 4:32 pm
Forum: Investing - Help with Personal Investments
Topic: Bernstein's Simpleton's Portfolio
Replies: 40
Views: 5057

Re: Bernstein's Simpleton's Portfolio

(1) Looks to me like you have no exposure to US mid-caps. I'd suggest discontinuing contributions to US small and instead, start and continue contributions to a US "completion index" or "extended" fund which has both mid- and small-cap stocks. (2) My feeling is that rather than 25% in bonds, you'd ...
by donebyforty
Fri Aug 11, 2017 10:32 am
Forum: Investing - Help with Personal Investments
Topic: Bernstein's Simpleton's Portfolio
Replies: 40
Views: 5057

Bernstein's Simpleton's Portfolio

Hi there! Very new forum member here. I read the Boglehead's guide to investing years ago, and have been hooked ever since. I had a question about our asset allocation. We use Bernstein's Simpleton's Portfolio, which I read about at the preface of the Intelligent Asset Allocator. As I couldn't make ...