Bogleheads.org

VUSD for S&P500 or VWRD for total world should do just fine.
Estate tax is a real thing and the main risk and you don’t want your heirs and dependents to curse you if something happens to you and the US government takes 40% of your portfolio in taxes.

I found $IDBT as a potential alternative.
iShares US Treasury Bonds 1-3 Years, USD, Ireland Domiciled.
Anybody is using it?

Hello,

For those running two or three funds portfolios, what are some alternatives to AGGG Global Bonds ETF, but for short term maturity duration (1-2 years) to reduce interest rate risk, versus the 6-7 years duration of AGGG ETF?

Thanks in advance.

I know that you said you don't max your Roth IRA every year, but are you contributing every year? How is it invested? I ask because over 14 years, you could have made more than $50k in contributions and for those particular 14 years, you should have seen some growth, depending on the investments. As for a plan, not sure what you are looking for. You are only about half way to your projected retirement, so it is great to think of it, but your ideal retirement will likely change a few times over the next three decades. Be sure to live your life along the way. I agree with this advice. 1. The important thing is that you plan & save/invest for your retirement. First you are too young & without kids. A lot of your priorities & what ...

I use AGGG (Global aggregate bonds) which are diversified and widely used by a lot of investors in this forum.

I was hoping for a serious, scientific opinon on this topic. Some of the largest investors in the world use gold for its diversification properties as uncorrelated asset. Maybe I am in the wrong forum here... :confused It's not enough to be uncorrelated. A good investment should have an expected real return that compensates for its risk. That is where gold falls short. It's expected real return over long time periods is about 0%, but it is incredibly volatile. That doesn't mean that you shouldn't own a small allocation - but also doesn't suggest that you necessarily should. Don't expect a serious scientific discussion of a topic that is not governed by science. In this case, the principal governing force is emotion. That’s exactly my main ...

[/quote]

I do not trust Gold ETF. I keep a few thousands in physical Gold/Silver. Someone may keep 0.5% or 1% of their portfolio in physical gold/silver as hyperinflation insurance.

KlangFool
[/quote]

Thank You.

KlangFool wrote: ↑Fri Mar 25, 2022 3:26 pm

Dr. Paul wrote: ↑Fri Mar 25, 2022 3:17 pm

Dr. Paul,

1) You are old enough that you may not have another 30 years.

"That has never happened in history and large drops have always fully recovered, within a few years typically."

2) But, why bother taking the risk and emotional roller coaster in the first place? The gain does not matter to you. The difference between 6 millions and 10 millions does not matter to you. But, the drop from 6m to 3m will cause you significant amount of pain.

KlangFool

KlangFool
Do you think a portion of a Gold ETF can substitute a part of the bonds? Like 60/20/20?
What’s your take on Gold vs Bonds, especially in case of high inflation for a long period?

Dr. Paul wrote: ↑Fri Mar 25, 2022 2:41 pm At retirement, I'll have $6M in taxable and qualified accounts. I have a dental building with long term lease that currently produces $110K per year with inflation changes every 2 years. Social Security will be $60K a year. I anticipate our yearly spend to be about like now: $150k a year in today's $.

I have 2.5 year of living expenses for emergency fund.

Based on what you have shared, i would say congrats, you have won the retirement financial independence race.
You don’t need any risk or complexity based on what you achieved so far.
A 60/40 stocks/bonds diversified portfolio (2-fund or 3-fund) maximum should do you well and remove the complexity from managing the portfolio.

It’s not a free lunch but not a risk as well.
There are some risks, but the risk comes primarily from owning the stock – not from writing/selling a covered call against it.
The sale of the option only limits opportunity on the upside but does not have a downside risk as long as you are owning the stock already and convinced that you are fine keeping it (might be a dividend stock for example part of your income generating portfolio)

galeno wrote: ↑Sun Feb 20, 2022 5:49 am Your signature: 60% VWRD 40% AGGG until further notice.

My signature: KISS & STC.

You have a SUPERB portfolio. Do not over think this.

Thanks. Will keep things as is.

arcticpineapplecorp. wrote: ↑Sat Feb 19, 2022 12:18 pm risk and return baby. they're inextricably linked.

if you want less risk, you go shorter term, but then get less return.

total stock has fallen farther than aggg, but that's also because it's riskier than aggg and has higher expected returns.

an intermediate bond fund has a duration of 6-7 years usually.

So if you didn't plan to hold the fund that long, why did you invest in it in the first place?

Thanks for the article. It was a nice read.
My time horizon is 10+ years so no issues with that. I am just trying to have a better understanding of bonds based on people’s experience, not just in the past 10 years bull market, but longer horizon.

galeno wrote: ↑Tue Feb 15, 2022 10:12 am Popular bond UCITS EFTs YTD in GBP.

TWBM: AGGG = (3.10%)

Question about AGGG as i hold it but in the USD version.
If interest rates rise, i would assume its price to continue downwards, but will its yield paid be increased to offset that?

Hi
I’m using AGGG as my choice of bonds in my 2 fund portfolio.
With interest rates looming and bonds prices including AGGG falling for the past few months, what would be considered a more stable option in bonds (for permanent portfolio, not specifically timing the market now) and which would be a more stable from price perspective.

AGGG (iShares Core Global Aggregate Bond ETF)

Or

IDBT (iShares Treasury Bond 1-3Y ETF)

So short term treasury bonds or global world bonds.

Would appreciate some input from those who have been long term investors and faced all situations (low yield and high yield, low inflation and high inflation).

Thanks

galeno wrote: ↑Mon Jan 31, 2022 12:31 pm I'm a serious sophisticated investor for 36 years. Boglehead for 16.

When I first started I too sliced, diced, and tilted. We now hold a 2 fund portfolio.

My advice. Don't waste your time.

Nothing beats the simplicity of a two funds portfolio.

Hello All,
Anybody uses any money market fund ETFs to park short term cash instead of placing it into bonds?
Would appreciate if you can share ETF ticker and use case.
Thanks

galeno wrote: ↑Tue Jan 25, 2022 12:55 pm @michoco911

Ignore ALL macro-economics, news, etc. Just mechanically maintain your asset allocation via contributions.

If you have 15 years until early retirement and you can tolerate the "risk" why not go 80/20?

2% down this year AGGG (5.22$ 31st of Dec vs 5.12$ today).
I am bit conservative focusing on capital preservation more than bigger return) even though my time horizon is higher, 60/40 made me sleep well at night during march 2020 crash.

Europeans invest 30/70. Americans 70/30. 50/50 is a nice middle ground. In 1985 we held 80/20. In 2006 we went to 60/40. 6 years ago we went 50% VWRD + 45% AGGG + 5% CASH. Two suggestions: 1. Stay at 50/50. No more changes! 2. Your allocation should be 50% VWRD* + 50% AGGG**. Sell the high dividend equity ETF and buy the bond ETF. *counted in your favorite currency **counted and hedged in your favorite currency. I’ve been enjoying your threads for the past 2 years as your asset allocation & ETFs of choice are similar to mine except that i am here since 2017 while you have been invested since decades. From your long term experience, which is obvious, what’s your take on AGGG price declining recently? I am 60/40, VWRD and AGGG, should i ...

galeno wrote: ↑Mon Jan 17, 2022 2:16 pm Commission = 0.1%.

$10 for a transaction = $10K.

Thank You.

Hello
I usually use Saxo to buy VWRD and AGGG ETFs which has usually a minimum of 12$ purchase fee and go higher depending on the amount & number of shares.

Anybody can advise about the minimum fees of purchasing the same on interactive brokers UK?

Thanks in advance.

jebmke wrote: ↑Tue Jan 04, 2022 7:27 am I retired in December 2007. For the next two years I was rebalancing from bonds to stocks and food. At the depths in 2009 I was buying equity, not selling. My last US equity purchase was March 16, 2009.

Could you shed some light about the following:
-Asset allocation percentages or rationale between stocks, bonds and cash
- Rebalancing mechanism (based on what and at which threshold)?
Thank you

Is this a question or a clarification?
I agree VWRD has a low yield currently, but definitely the return is not the same

If your portfolio is 100% in stocks from what i see, than you can simplify by buying VWRD or VWRD.
If you want to start including some bonds in the portfolio, you can add AGGG

If you want world diversification and not only US diversification, then the below might serve you well.
VWRD
AGGG
Or similar ETFs depending on the currency of choice. The above is in USD

If you want US, there is not exact fund like VTI but you can use the VUSD which simulates the S&P500 (VOO).
VTI and VOO returns are almost similar.

Swiss Bee wrote: ↑Sun Dec 19, 2021 1:38 am Hello fellow investors

I like to supplement my investments in Vanguard FTSE All World (VWRL) with Vanguard’s high dividend yield fund (VHYL).
Any thoughts on adding VHYL? To what extent do you add dividend paying investments

VWRL pays dividends as well, not much but somewhere between 1%-1.5%
VHYL pays dividends around 3.5%

That’s only a 2% dividends different yearly.
But if you watch the price growth between both funds during the past 4 years, there is a big difference.
Does this 2% additional dividend justifies the growth that you will be dropping by switching from VWRL to VHYL?

Barak wrote: ↑Sat Dec 04, 2021 12:33 pm
how to buy sp500 in euro and not usd ? (i dont want to swap euro for usd evrey time)

etf thats based in Ireland and is Accumulatig..


thanks

Try VUAA on Deutsche Borse or Borsa Italiana.
This represents S&P500 accumulating in Euro and is domiciled in Ireland

Hi
Always check the Ticker (Stock code) fact sheet.
ETFs might have different tickers on different exchanges or in different currencies.
In your case, check VGEU on Deutsche Borse.

Since you will be retiring and hopefully would want to enjoy your time rather than looking at portfolios and percentages, i would say go with VWRD to avoid the hassle of rebalancing and managing multiple funds even if the expense is a bit higher.
As for the bonds, a global bond such as AGGG would be OK.

For the frequency of the purchases, you can use dollar cost averaging. It helps you mentally to accept whatever happens to the markets and get used to the process.

I see it very difficult mentally to switch from 2M$ of guaranteed cash in the bank to 2M$ Invested and then find out that we have a market crash or recession directly after that.

Good Luck and Enjoy your retirement

Would they allow transfer stocks from an individual account to a joint account with the wife?

Laurizas wrote: ↑Thu Sep 02, 2021 7:45 am In case you are not familiar with this list
https://www.justetf.com/en/find-etf.htm ... index=Gold

I am aware of this screener and use it but was looking at a personal experience opinion. Thanks.

Always passive wrote: ↑Sun Aug 29, 2021 9:30 am The yield to maturity of AGG, the iShares Core US Aggregate Bond ETF, as of August 27 is 1.4%.
The current inflation is significantly higher; but even if the FED is able to tame current inflation and bring it down to its target of 2%, it seems very likely that in real terms, investors will lose money by using this fund.
For those that agree with this assumption, and still wish to hold bonds, what is the alternative?

Would you consider holding GOLD ETF instead of BONDs? In case you are forecasting a crash or huge inflation?

Hello All

What’s the best recommended GOLD ETF domiciled in Ireland that you guys use generally?
I am considering to add some GOLD exposure instead of Bonds to my portfolio.

I use AGGG and it is fine.
Yield is low but you have good diversification and stability and that’s the purpose of bonds in a portfolio rather than return.

Try VUSA from Vanguard

I use the windows website login without issues.
For accurate price, check the prices on Tradingview App or website showing the actual bid and ask and place your limit order accordingly.

Schlabba wrote: ↑Sat Jun 12, 2021 6:29 am
Hi,

I hold a very large chunk of my portfolio in Vanguard FTSE All-World High Dividend Yield UCITS ETF (USD) - https://www.vanguard.nl/portal/instl/nl ... /?overview

With 1500 positions it has enough positions that I think it should match the performance (although with a value tilt) of the total market. And it has a decently low TER.

The yield normally varies from 3.5 up to 4%.

Thank You. Appreciate the advise.

If a non resident alien is interested to build a portfolio based on Dividends Stocks (In parallel to his bogglehead total world VWRD/AGGG one), what is the alternative of holding Stocks like XOM, T, and other US dividend stocks that are subject to estate/death ~40% Tax?
Do you recommend any ETF domiciled in Ireland that is tailored for high dividend?

Well i treat this very easily.
I am hoping for a portfolio that would generate 10K$ per month to spend it with my wife on travels, hotels and other activities.
In case of divorce (highly unlikely) i guess a 5K$ per month would be fine for me to enjoy the same activities alone
We should not overthink these stuff. Live the moment and enjoy it while preparing for a wealthy and decent retirement through consistent investments.

Petesake wrote: ↑Thu Feb 20, 2020 11:14 am Hi All Brand bew to forum
Are dividend funds considered as a defensive moveI.e. replacement for bonds in your portfolio

I am rebalancing from a 90/10 portfolio and struggling with idea of buying bonds when interest rates are so low

I am planning for retirement in 8 to 10 years spouse will have modest pension which is why I have been staying aggressive

Interested to know what do you think about it now, especially that your post came just one month before the March 2020 big crash?

If you are new and want simplicity and conservative a two fund portfolio VWRD/VWRL and AGGG in a certain asset allocation like 60/40 should be fine, will cover all world and will be easy to manage and rebalance.

Hello,
I have an IOS iPhone. I use Yahoo Finance to track the ETFs i invest in and some stocks.
I configured notifications on the App so that i am alerted when the stock reaches a certain value. When the price is hit, this appears under the notification tab of the App if i got look there but it never appears as a push notification on the phone to alert me.
Anybody faced similar issue? Is this an App limitation or there is something i am not configuring properly?
Thanks in advance.

Microsoft OneDrive is a good option.
If you subscribe to Microsoft Office Family/Home edition, you can apply it to 6 users and each besides getting the office apps he will get 1TB of OneDrive storage plan with easy to use App. It can also automatically upload photos if you set it so.

Saxo Bank might be a valid option for you. I have friends in Dubai and the region who use it.

Bumpy but slept well nevertheless and stayed the course (Even though i am less than 4Years in the market). A good investment policy statement IPS written in advance helps in that, to remove emotions and transact in a straight forward way.

thermalfama wrote: ↑Thu May 14, 2020 10:48 am So far, the only other choice is to stick with IBKR only, so yes, if I want to diversify I have to go with Saxo unless something better appears. But 0.12% is for VIP accounts, and those require $1M. Lesser accounts pay 0.25% (or 0.20% for $200k min).

Platinum status is for portfolios above 60K$ i suppose and they charge 0.12% p.a custody fees.
VIPs above 1M pay 0.05% p.a

Hi all, I want some BTC as part of my portfolio. I'm a bit confused about the safest way to buy it and store it...wallets etc. Does anyone have any info on where they buy theirs and how to store it? You should look for a crypto exchange that accepts credit card or bank transfer. Once done and bought the BTC, you should buy an offline physical wallet (costs around 100$) to transfer your BTC to the physical wallet address and store that while holding the private keys safely. Now having said that. I would classify this under speculation and not investment. And for you to post this request few days after bitcoin passed the 10K$ mark confirms this, as you are buying the hype and news now. If you wanted to speculate with Bitcoin, you should have...

I would say till 30 but i would not recommend it. Since you need to learn the process of asset allocation and rebalancing and maintaining your investment as per your IPS, then it would be recommended to start that when your investments are still small, so my recommendation would be 90/10 below 30 and after that you change as needed and as your risk appetite.

If you want to oversimplify and own the WW market, go with VWRD or VWRA (depending if you prefer the distributing or accumulating version) and go with AGGG for Bonds.

If you want more US portion (VWRD is around 55% US market), then you can add VUSD

Was my first major downward for me with a sizable portfolio. My 60/40 portfolio gave me confidence and i rebalanced using new savings.
Did an IPS at the beginning of the year and was able to stick to it with confidence.

OK, thanks for your inputs.
I’ll stick to my Excel formulas in that case.