Search found 19 matches

by seekinganswers
Fri Sep 30, 2016 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4110

Re: Anyone feel like ripping this asset allocation to shreds?

boglephreak wrote:you seem affluent ..


Affluent ... no ... this is just an exercise in futility - unfortunately.

That said, I'm trying to figure out if a more global bond fund would be less risky with similar returns. Have been looking at TOTL. Any thoughts?
by seekinganswers
Fri Sep 30, 2016 12:59 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4110

Re: Anyone feel like ripping this asset allocation to shreds?

Thanks for your feedback. Here's an update. Thoughts? ------------------------------------------ ---------UPDATED AA--------- PROCESS: Allocation rate of 20K/month, rebalancing by adding rather than selling. Do this for 4 years - 2017 - 2020. --------- STOCKS 50% ($10K per 20K) >> VT Vanguard total/...
by seekinganswers
Thu Sep 29, 2016 4:15 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4110

Re: Anyone feel like ripping this asset allocation to shreds?

Purchasing power preservation for about 40 years with an ever decreasing need to purchase... ...PROCESS: Move cash into these allocations at rate of 30K/quarter, rebalancing by adding rather than selling. Do this for 8-10 years - roughly 2017 - 2027. Your plan is to spend 20-25% of your investment ...
by seekinganswers
Thu Sep 29, 2016 3:44 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4110

Re: Anyone feel like ripping this asset allocation to shreds?

As others have said, there is no real return on commodities. You have put 20% of your portfolio into assets that do not have real returns. Even a tiny real return (say 1%), compounded over decades become a lot of growth. Thanks David! Below was the updated version posted above. Thanks for all the g...
by seekinganswers
Thu Sep 29, 2016 3:30 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4110

Re: Anyone feel like ripping this asset allocation to shreds?

If you're buying physical gold for fun, then buy it for fun. There is typically a decent markup by the dealer on the buy (spot plus $xx) and if you buy from far away, you have to pay for shipping. I actually don't think storage is any big deal if you don't go around telling people you've got thousa...
by seekinganswers
Thu Sep 29, 2016 12:14 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4110

Re: Anyone feel like ripping this asset allocation to shreds?

I may have missed it before but your assets, spending requirements and age will probably affect the appropriateness of this allocation -- specifically the stock bond split. As far as VT for the equity component of your portfolio. I like to use that for the taxable account because of the efficiency....
by seekinganswers
Thu Sep 29, 2016 11:09 am
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4110

Re: Anyone feel like ripping this asset allocation to shreds?

joebh wrote:
seekinganswers wrote:No questions, just criticism desired --- thanks in advance :)


Not enough equities. You are welcome.


If you see my updated post a few above, I moved stocks up to 45% ... are you referring to that?
by seekinganswers
Thu Sep 29, 2016 11:00 am
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4110

Re: Anyone feel like ripping this asset allocation to shreds?

i have yet to see a reasonable argument why anyone would buy gold (let alone 15% of their AA) or commodities. No purchase at this point. Although, I only joined this forum a few days ago and only posted two questions. Your response about gold came up last time. I don't know if it is just this form'...
by seekinganswers
Thu Sep 29, 2016 10:35 am
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4110

Re: Anyone feel like ripping this asset allocation to shreds?

Thanks for all the great feedback. So much meat on the bone from you guys ... I'm super impressed with the minds paying attention to this forum. ---------UPDATED AA--------- PROCESS: Move cash into these allocations at rate of 30K/quarter, rebalancing by adding rather than selling. Do this for 8-10 ...
by seekinganswers
Wed Sep 28, 2016 6:42 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4110

Re: Anyone feel like ripping this asset allocation to shreds?

Thank you for posting. No ripping for me but some concerns about expense ratios perhaps (thinking DBC Commodities index) and holding gold. Thanks ... good point. I read that keeping expense ratios below 1% is advised. GLD is 0.4% and DBC is 0.67% (the highest in the proposed aa). Echoing the concer...
by seekinganswers
Wed Sep 28, 2016 6:27 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4110

Re: Anyone feel like ripping this asset allocation to shreds?

i have yet to see a reasonable argument why anyone would buy gold (let alone 15% of their AA) or commodities. No purchase at this point. Although, I only joined this forum a few days ago and only posted two questions. Your response about gold came up last time. I don't know if it is just this form'...
by seekinganswers
Wed Sep 28, 2016 6:21 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4110

Re: Anyone feel like ripping this asset allocation to shreds?

LAlearning wrote:looks gross. good luck!


Love it! I'll get to work on that :sharebeer
by seekinganswers
Wed Sep 28, 2016 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4110

Re: Anyone feel like ripping this asset allocation to shreds?

I'll bite Your portfolio is way too light on stocks (only 30% of your allocation) and too heavy on commodities/gold. Bogleheads generally aren't huge fans of gold/commodities because they don't generate profits; it's an inflation hedge or speculation. m I know you wrote "no questions, just crit...
by seekinganswers
Wed Sep 28, 2016 6:09 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4110

Re: Anyone feel like ripping this asset allocation to shreds?

Not sure you will get any quality replies without context around your current situation and future goals. Your AA should match your personal circumstances and there's no way to criticize it from this info. Purchasing power preservation for about 40 years with an ever decreasing need to purchase - a...
by seekinganswers
Wed Sep 28, 2016 5:44 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone feel like ripping this asset allocation to shreds?
Replies: 58
Views: 4110

Anyone feel like ripping this asset allocation to shreds?

Hi ... if it isn't too bad, maybe just poke holes in it. STOCKS 30% >> VT Vanguard total/global BONDS 40% >> BND Vanguard total bond index (US) TIPS 5% >> TIP iShares GOLD 15% >> GLD 12% >> Physical gold 3% COMMODITIES 5% >> DBC Commodities index REIT 5% >> VNQ Vanguard REIT No questions, just criti...
by seekinganswers
Thu Sep 22, 2016 12:19 pm
Forum: Investing - Help with Personal Investments
Topic: Is this asset allocation fine or am I missing something?
Replies: 17
Views: 1634

Re: Is this asset allocation fine or am I missing something?

Better, but still overly complex. Let me ask you some probing questions to perhaps make you think. Any Gold: Why do you want to hold gold? - Gold pays no dividend - Gold tends to counter the market to some degree with periodic massive shifts (in random direction) - Physical gold can cause storage i...
by seekinganswers
Thu Sep 22, 2016 11:51 am
Forum: Investing - Help with Personal Investments
Topic: Is this asset allocation fine or am I missing something?
Replies: 17
Views: 1634

Re: Is this asset allocation fine or am I missing something?

WOW! This forum is great! I wasn't sure if I was going to get any feedback, and the feedback you all have given is really constructive. Thank you to all you Bogleheads for taking the time to share your insights - pretty amazing. Some themes I've gathered: 1. Make it simple! Period! 2. Allocation cat...
by seekinganswers
Wed Sep 21, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Is this asset allocation fine or am I missing something?
Replies: 17
Views: 1634

Is this asset allocation fine or am I missing something?

Hello! I've been wrestling with and wrenching on an asset allocation plan. On the one hand, I need to pick something and go with it. On the other hand, executing on a bad or poor plan can lead to poor results. Does anyone have any knee jerk reactions to the plan below? Am I missing anything? Is ther...
by seekinganswers
Mon Sep 19, 2016 6:00 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Allocation > Commodities Category >> Can you ..?
Replies: 2
Views: 335

Portfolio Allocation > Commodities Category >> Can you ..?

I'm trying to allocate to the Commodities category of my portfolio. I've looked at a number of different etfs that serve energy, livestock, agriculture, and base metals. Many invest in the actual companies that do business in those commodities. For example Exxon in an energy etf - oil, gas, etc. But...