Search found 6 matches

by EvanRude
Thu Oct 12, 2017 1:51 pm
Forum: Investing - Theory, News & General
Topic: What's your asset allocation and why?
Replies: 160
Views: 13693

Re: What's your asset allocation and why?

On the way from 70/30 to 60/40 - currently at 65/35. 70/30 US/Intl for the Equity and Bond portion. Within the US Equity I use Vanguard Portfolio Watch/Stock Analysis as a guide for Large, Mid, and Small allocation. (Don't use Total Stock Market or Total International Stock Market because still have...
by EvanRude
Sun Jul 23, 2017 3:04 pm
Forum: Investing - Theory, News & General
Topic: US and International Bond Fund Allocation
Replies: 109
Views: 8557

Re: US and International Bond Fund Allocation

Domestic bonds are 24% of our total invested portfolio, and international bonds are 10% of the total. A comparison of total return from Vanguard's website today is below. Neither are setting the world on fire. Total International Bond was created in May 2013 so there is no 5 year performance number ...
by EvanRude
Fri Jun 16, 2017 11:03 am
Forum: Investing - Theory, News & General
Topic: Poll: Do Bogleheads own Stocks?
Replies: 77
Views: 8181

Re: Poll: Do Bogleheads own Stocks?

Majority of portfolio is in Vanguard index funds but we hold individual stocks for 2 reasons - 1. Stocks that have large capital gains and now pay large dividends relative to initial purchase 10-20 years ago (ORCL, RY, XOM, O); and 2. Micro-cap stocks utilizing AAII Shadow Stock strategies in a "pla...
by EvanRude
Tue May 30, 2017 9:48 pm
Forum: Personal Finance (Not Investing)
Topic: Not Another Payoff The Mortgage Thread....
Replies: 38
Views: 4586

Re: Not Another Payoff The Mortgage Thread....

Long time lurker, first time poster. We paid cash for our current house 16 years ago and never looked back. There is great comfort in knowing that the house is paid for. However, here is a twist for those that feel they are potentially losing market gains. Treat the amount that you pay down on a hou...
by EvanRude
Thu Jul 09, 2015 8:13 pm
Forum: Personal Finance (Not Investing)
Topic: What age did you become debt free and what opportunities did it create?
Replies: 131
Views: 18274

Re: What age did you become debt free and what opportunities did it create?

We became debt free in our early 40s (now 55). We never carried any credit card balance. Paying off the mortgage and auto loans saves money, provides peace of mind, reduces stress and pressure if there is a job loss, and provides monthly cash flow that can be used for investment or whatever. The amo...