Search found 435 matches

by John Laurens
Tue Jul 25, 2017 6:26 pm
Forum: Personal Investments
Topic: Financial Adviser Free !
Replies: 14
Views: 2520

Re: Financial Adviser Free !

Sounds like your advisor was at least honest with you. All any responsibe advisor can tell you is "no I can't guarantee you that I will be able to beat the market, but I can provide some value added services". He seemed reasonable to me.

Regards,
John
by John Laurens
Tue Jul 25, 2017 2:54 pm
Forum: Personal Investments
Topic: Cash to Invest
Replies: 28
Views: 2877

Re: Cash to Invest

I would invest the cash to maintain my AA according to my IPS. My opinion on market valuations makes no difference in my implementation of my plan.

I guess for you to make a decision you would have to explore why you are holding that much cash (especially in your retirement accounts). It might be perfectly reasonable to hold that much cash in your taxable and HSA accounts.

If it is simply because you think the market is "high", did you just move to cash very recently? If not, then you were wrong months ago when you should have held equities, or you are wrong now. Trying to be right is a very tiresome and most often fool hardy game.

Regards,
John
by John Laurens
Tue Jul 25, 2017 11:43 am
Forum: Investing - Theory, News & General
Topic: Alternatives to the Vanguard Total International Fund?
Replies: 33
Views: 9650

Re: Alternatives to the Vanguard Total International Fund?

At TDA for commission free etf

VEA 75%/VWO 25%
VEU 90%/VSS 10%

Gives approximation to Vanguard Total International VXUS

Regards,
John
by John Laurens
Thu Jul 20, 2017 12:44 pm
Forum: Personal Investments
Topic: Windfall: Buy or wait?
Replies: 31
Views: 5173

Re: Windfall: Buy or wait?

1. Become completely debt free
2. Keep 1 year living expenses in cash equivalent
3. Give some away
4. Spend some on something you value
5. Lump sum the rest into your AA as stated by your IPS

Regards,
John
by John Laurens
Wed Jul 19, 2017 6:36 pm
Forum: Personal Investments
Topic: Individual 401k Vanguard
Replies: 11
Views: 2107

Re: Individual 401k Vanguard

So you can't roll a tIRA into the Vanguard i401K (to allow backdoor Roth, avoid pro rata) but you can roll/transfer another i401k to vanguard? In other words, so I could roll a Schwab tIRA into a Schwab i401k, and then transfer that i401k into my Vanguard i401k? Why would you want to? That seems like a lot of effort for a worse plan. I already have a Schwab individual 401(k) plan primarily because I need to roll over the traditional IRA to do the back door Roth IRA. But I would not mind consolidating my accounts at Vanguard if I could transfer that Schwab individual 401(k) over to the Vanguard individual 401(k). Would it not drive you crazy to pay investor share ER on hundreds of thousands of dollars (or even a million dollars) worth of to...
by John Laurens
Sun Jul 16, 2017 3:48 pm
Forum: Personal Finance (Not Investing)
Topic: 4% mortgage rate vs 2.5% BND yield
Replies: 92
Views: 15136

Re: 4% mortgage rate vs 2.5% BND yield

Because most people are blind to their biases, including me.

Bogleheads that advocate paying off their mortgage are almost always completely debt free. We emphasize the risk free return of prepaying a mortgage and the psychological benefits of being completely debt free.

Bogleheads that advocate not paying off the mortgage usually have one. They emphasize that their risk adjusted returns will be better than prepaying a mortgage.

Neither camp is wrong. It's a personal finance issue rather than an arithmetic issue because either choice involves risk and highly individualized personal circumstances.

Regards,
John
by John Laurens
Fri Jul 14, 2017 1:32 pm
Forum: Personal Investments
Topic: PAS yearly tune-up, please review my portfolio
Replies: 3
Views: 598

Re: PAS yearly tune-up, please review my portfolio

My first question would be are you happy paying $4,200 per year for what amounts to less than an hour of work per year?

Regards,
John
by John Laurens
Thu Jul 13, 2017 3:15 pm
Forum: Investing - Theory, News & General
Topic: 50% Cash, 50% Stocks: The Opportunistic Portfolio
Replies: 43
Views: 9761

Re: 50% Cash, 50% Stocks: The Opportunistic Portfolio

I think you are on to something. Did you deploy the 50% cash position in 2009 into equities. How about now? Would you deploy the 50% cash position into equities today. It's possible that from this day forward equities will never be as cheap as they are today.

What I would do is develop an AA that matches your goals taking into consideration your time horizon, tolerance for risk, etc. I would then commit your plan to paper in the form of an Investment Policy Statement (IPS). Then I would never waver no matter what I read in a book or on the internet.

Regards,
John
by John Laurens
Mon Jul 03, 2017 9:16 pm
Forum: Personal Investments
Topic: Easy world portfolio for long term investment
Replies: 10
Views: 1567

Re: Easy world portfolio for long term investment

Why not just use Vanguard Total World (VT)?

It is my kid's sole holding in their Roth IRAs.

Regards,
John
by John Laurens
Sat Jul 01, 2017 4:28 pm
Forum: Personal Investments
Topic: Grandson's request for advice
Replies: 37
Views: 5269

Re: Grandson's request for advice

sleepysurf wrote:How about offering a 50% match for his initial investment *IF* he goes with the S&P 500 or Total Stock Index ETF, but offer a 100% match if he also reads William Bernstein's If You Can?

+1 You win the internet today

Regards,
John
by John Laurens
Sat Jul 01, 2017 4:08 pm
Forum: Personal Investments
Topic: Beginner needs sanity check moving a lot of cash to market.
Replies: 58
Views: 7804

Re: Beginner needs sanity check moving a lot of cash to market.

Ok then. Will you bet me a million dollars that a 60/40 portfolio will out perform his guaranteed mortgage rate over the next 2 years? If I win, I get a million dollars. If you win, you get the satisfaction that you guessed right over a guy on the internet. Regards, John Hi John, That seems like an unfair bet. Why 2 years and why do you get the money while I get the satisfaction? :-) In my personal life, I have put my money where my mouth is:. I have left my ~300k mortgage outstanding while investing in an 80:20 allocation Lol. I agree with your long term assumptions that 60/40 will outperform a low tax deductible mortgage rate. You aren't exactly putting your money where your mouth is though. Unless you are willing to make the OP whole fo...
by John Laurens
Sat Jul 01, 2017 3:44 pm
Forum: Personal Investments
Topic: Beginner needs sanity check moving a lot of cash to market.
Replies: 58
Views: 7804

Re: Beginner needs sanity check moving a lot of cash to market.

Ok then. Will you bet me a million dollars that a 60/40 portfolio will out perform his guaranteed mortgage rate over the next 2 years? If I win, I get a million dollars. If you win, you get the satisfaction that you guessed right over a guy on the internet.

Regards,
John
by John Laurens
Sat Jul 01, 2017 3:41 pm
Forum: Personal Investments
Topic: Beginner needs sanity check moving a lot of cash to market.
Replies: 58
Views: 7804

Re: Beginner needs sanity check moving a lot of cash to market.

autopeep wrote:
John Laurens wrote:Also in regards to the above replies, you are going to get differing opinions here on BH. That's healthy.

I would, however, give more weight to conservatively given advice over advice that is riskier short term. It is anomyous strangers on the internet you know.

Regards,
John

I honestly don't know which strategy you think is more conservative. For instance, I think paying off the mortgage is less conservative than investing in a 60/40 3 fund portfolio
by John Laurens
Sat Jul 01, 2017 3:27 pm
Forum: Personal Investments
Topic: Beginner needs sanity check moving a lot of cash to market.
Replies: 58
Views: 7804

Re: Beginner needs sanity check moving a lot of cash to market.

Also in regards to the above replies, you are going to get differing opinions here on BH. That's healthy.

I would, however, give more weight to conservatively given advice over advice that is riskier short term. It is anomyous strangers on the internet you know.

Regards,
John
by John Laurens
Sat Jul 01, 2017 3:20 pm
Forum: Personal Investments
Topic: Beginner needs sanity check moving a lot of cash to market.
Replies: 58
Views: 7804

Re: Beginner needs sanity check moving a lot of cash to market.

Pay off all your debts. When one is completely debt free, it is so much more comforting/satisfying taking risks in your career and investments.

I have little doubt that even some of our BH here that are 100% equities or 90/10 will add bonds after the next big correction. I am completely debt free with multiple sources of income. I have invested during 2000-2001 and learned lessons the hard way. Also invested through 2008-2009 and cruised through maintaining my AA.

Regards,
John
by John Laurens
Fri Jun 30, 2017 10:02 pm
Forum: Personal Finance (Not Investing)
Topic: Should I move abroad to minimize health care costs?
Replies: 80
Views: 10559

Re: Should I move abroad to minimize health care costs?

Wouldn't it just be easier to increase your income 7k a year where you currently live? Should be easier than finding a new country in which to live.

Regards,
John
by John Laurens
Fri Jun 30, 2017 1:05 pm
Forum: Personal Investments
Topic: Vanguard recommended Retirement allocation too simple?
Replies: 70
Views: 11433

Re: Vanguard recommended Retirement allocation too simple?

It's too complicated. VT (Total World) 50% and BND (Total US Bond) 50%. :D

Regards,
John
by John Laurens
Tue Jun 27, 2017 1:41 pm
Forum: Personal Investments
Topic: (Almost) every day I make a financial mistake more costly than the day before
Replies: 57
Views: 9448

Re: (Almost) every day I make a financial mistake more costly than the day before

You seem really smart with a real grasp of finance. I'm not very smart and I know it. I have made a lot of money in last few years though. I'm ok losing money over the next few years. In fact, I welcome it. I only care about my balances 20-50 years from now. Good luck with your timing.

Regards,
John
by John Laurens
Sun Jun 25, 2017 8:14 am
Forum: Investing - Theory, News & General
Topic: International Stocks - New thoughts
Replies: 83
Views: 10627

Re: International Stocks - New thoughts

I have 33% of equities in international etfs. With 75/25% split between developed and emerging markets. Are you reading/discussing it, or "living it"? I won't change my allocation other than reducing overall equities by 1%/year. My IPS dictates my actions not my "feelings".

Regards,
John
by John Laurens
Thu Jun 22, 2017 12:20 pm
Forum: Investing - Theory, News & General
Topic: Why bonds when one's investment horizon is long?
Replies: 59
Views: 7711

Re: Why bonds when one's investment horizon is long?

I would say 10% bonds is not significant. Risk adjusted returns with 10% bonds vs 0% bonds are nearly identical. Bonds are for diversification and to reduce short term volatility. They also give you a bucket for rebalancing. If 100% equities are best for long term investors, borrowing on margin would be even better, right?

I promise you a 90/10 AA is going to give you plenty of return and test your BH mentality/gut.

It seems 100% equity AA questions are coming up more in 16'/17' than they did in 08'/09'...hmm.

Regards,
John
by John Laurens
Thu Jun 22, 2017 10:44 am
Forum: Personal Finance (Not Investing)
Topic: Determining appropriate amount of Life Insurance
Replies: 11
Views: 1320

Re: Determining appropriate amount of Life Insurance

I think 5 million in life insurance would get you really close to your goal of 250k a year. I personally think you are good with current 4.5 million unless you have debt. Then maybe insure extra up to the amount of debt you have.

If your wife is SAHM, I personally believe 500k is enough unless you are in a very HCOL area. I have 15, 13, 11 year old boys with SAHM. We just dropped her LI completely this year.

Regards,
John
by John Laurens
Tue Jun 20, 2017 1:54 pm
Forum: Personal Finance (Not Investing)
Topic: Disability Insurance and (declining) Income
Replies: 5
Views: 1399

Re: Disability Insurance and (declining) Income

You mention that your spouse can work full time and there are no children. Depending any new info you can provide, your age, net worth, her potential income, her willingness to go back to work, your health/occupation/hobbies, potential to have children, etc would determine if you even NEED LT DI.

I need it for 10 more years for sure. After that I will reevaluate whether I need to transfer risk to DI.

Regards,
John
by John Laurens
Tue Jun 20, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: WWYD? Cash in Investment to Pay Off Mortgage Question
Replies: 50
Views: 5718

Re: WWYD? Cash in Investment to Pay Off Mortgage Question

I will be the minority opinion. I would pay the cap gain taxes and then pay off the mortgage. I can say that because I did it 2007. Got lucky with timing. Maybe you will as well. Maybe not. I would ask yourself this question. If equities drop 20+% over the next couple of years, will you kick yourself for not paying mortgage? If equities increase 20+%, will you kick yourself for selling them and paying mortgage? Only you and especially your wife can answer those questions. People will come along behind me and talk about a few % points here and there. I attribute almost directly more than doubling my income by becoming completely debt free. I had so much relief that I was able to confidently take risks in my business. Intangible benefit of be...
by John Laurens
Tue Jun 20, 2017 1:07 pm
Forum: Personal Finance (Not Investing)
Topic: Should I buy an $800k house?
Replies: 89
Views: 12860

Re: Should I buy an $800k house?

Seattler123 wrote:Thanks everyone for the replies.
One question - If not 800k, what should the upper limit be in my case? Considering the other options I've looked (slightly older/bit more farther), I don't think it will be less than $720k considering the Seattle market.
My rule is no more than 3 times the highest income earner's yearly salary. I would hold to the rule at least until mom and baby are post partum and healthy.

Regards,
John
by John Laurens
Tue Jun 20, 2017 12:54 pm
Forum: Personal Investments
Topic: Which fund for Solo 401K
Replies: 15
Views: 1876

Re: Which fund for Solo 401K

I have 7 figure solo 401k. I would love to have it at vanguard, but I'm not paying 0.15% for a total US stock fund while any other account at vanguard allows admiral shares 0.04% for 10k minimum. Hence, I have my solo401k at TDA.

At least for the OP since he chose vanguard as his solo 401k provider, I would choose a TR or LS fund. At least you are getting "what you paid for" and not being punished for archaic plan setup.

Regards,
John
by John Laurens
Tue Jun 20, 2017 11:35 am
Forum: Personal Investments
Topic: Which fund for Solo 401K
Replies: 15
Views: 1876

Re: Which fund for Solo 401K

I would never hold anything other than a life strategy or TR fund in a Vanguard i401k. Imagine when you have 500k+ in total US stock market yet you are paying 0.15%. At least with LS and TR funds you are getting a value added service.

Regards,
John
by John Laurens
Sat Jun 17, 2017 10:11 am
Forum: Investing - Theory, News & General
Topic: Market Monitoring -- Best Practices?
Replies: 33
Views: 3125

Re: Market Monitoring -- Best Practices?

I was speaking with a co-worker the other day about the lofty levels the market is reaching. We talked about the possibility of a "Trump bubble". I asked if he and his friends keep an eye on this market and how. He said they check weekly and just try to get a feeling based on the news. While not a Bogle-backed idea, I always liked the simple idea of a bull market ending by seeing if it falls below it's 200 day average. That comes from William O'Neil (and others). What are your "best practices" for monitoring? Even if you are buy-and-hold, you might still monitor because you wanted to, say, focus on Asian equities more than European ones, etc. "Lofty levels, trump bubble, he and his friends, check weekly, get a feel...
by John Laurens
Sat Jun 17, 2017 9:23 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 14967

Re: Your Favorite Portfolio Tilts

I believe Taylor has tilted his equity portfolio in favor of US equities throughout the years. (assuming the benchmark is a world market cap weighted neutral portfolio).

Regards,
John
by John Laurens
Fri Jun 16, 2017 9:05 am
Forum: Investing - Theory, News & General
Topic: Your Favorite Portfolio Tilts
Replies: 86
Views: 14967

Re: Your Favorite Portfolio Tilts

Assuming world market cap weighted equities is the benchmark for comaparison, I am tilted to small value and US stocks.

All of my bonds are US dollar denominated investment grade.

If one considers personal finance a tilt, zero debt. Own home.

Regards,
John
by John Laurens
Thu Jun 15, 2017 12:40 pm
Forum: Personal Investments
Topic: Allocation help. Balanced fund and replicating total stock market
Replies: 5
Views: 837

Re: Allocation help. Balanced fund and replicating total stock market

I think that you are mostly fine but you are overweight mid/small caps. Large Caps make up roughly 80% of the market cap weighted total US stock market. In a 60/40 equity bond split, mid/small caps should total 12% of your 401k for a pure maket cap neutral portfolio. i.e. Large Cap 48% Mid 7% Small 5%
Bond 40%

Regards,
John
by John Laurens
Thu Jun 15, 2017 6:02 am
Forum: Personal Investments
Topic: Figuring out an HSA Investment
Replies: 7
Views: 1608

Re: Figuring out an HSA Investment

nps wrote:I would recommend dumping Devenir and moving to TDA, which looks like an option based on your original post, for more choices with lower expenses.
+1. Agree with above. OP, it appears you have HSA Bank as your HSA custodian. If you are going to use it as a long term investment vehicle, I would move 100% to TDA. You will have to pay $5.50 per month. Make sure you sign up for commission free etf's (2 mouse clicks). You could use VT or some combo of VTI/VEU/VSS or VTI/VEA/VWO.

Regards,
John
by John Laurens
Wed Jun 14, 2017 3:42 pm
Forum: Personal Consumer Issues
Topic: Best Cheap Champagne
Replies: 60
Views: 10024

Re: Best Cheap Champagne

You can get a whole buncha bottles of Mumms

Regards,
John
by John Laurens
Wed Jun 14, 2017 12:32 pm
Forum: Personal Investments
Topic: What to do with 18k in Cash?
Replies: 19
Views: 3025

Re: What to do with 18k in Cash?

Pay the car off.

Regards,
John
by John Laurens
Mon Jun 12, 2017 12:04 pm
Forum: Personal Finance (Not Investing)
Topic: Attorneys: Can family be held liable if moving elder into independent living apartment?
Replies: 17
Views: 3120

Re: Attorneys: Can family be held liable if moving elder into independent living apartment?

We are currently dealing with this exact scenario in our family. Another concern. If you hire your own caregivers, who is liable if a caregiver injures themselves (i.e. Back injury) while moving grandmother.


We are currently doing independent living with 24 hr caregivers. Memory care is soon in our future.

Regards,
John
by John Laurens
Sat Jun 10, 2017 2:58 pm
Forum: Personal Consumer Issues
Topic: Naming boat
Replies: 62
Views: 6057

Re: Naming boat

"2nd Happiest Day"


With your 1st happiest day...the day you sell your boat

Regards,
John
by John Laurens
Fri Jun 09, 2017 4:38 pm
Forum: Investing - Theory, News & General
Topic: Jim Rogers predicting "crash of a lifetime" this year or next
Replies: 89
Views: 17935

Re: Jim Rogers predicting "crash of a lifetime" this year or next

Jim Rogers, like all the rest of these types, are in the "entertainment business." Folks have an awful tendency to "overpay" for entertainment; in this case one pays by taking their advice. Soros, Jim's former partner, was bad wrong in saying in Nov. the market would head down on the election. Stan Druckenmiller, Soros' famous manager post Rogers, went very bearish last summer. like Bill Gross and all the others, they don't have a record of guessing right half the time. Maybe Buffet is worth paying a lot of attention to, though his favorite indicator a few years ago--stock market valuation compared to US GDP--was just changed to interest rates at the last annual meeting. Jack Bogle is right more often than anyone else. ...
by John Laurens
Fri Jun 09, 2017 2:34 pm
Forum: Personal Investments
Topic: Do Low Fee 3rd Party HSA Accounts Exist?
Replies: 10
Views: 1972

Re: Do Low Fee 3rd Party HSA Accounts Exist?

I use HSAbank. I pay $5.50 a month to keep 99% of my HSA invested at TDA in vanguard etfs as part of my overall AA.

Regards,
John
by John Laurens
Thu Jun 08, 2017 6:56 pm
Forum: Personal Investments
Topic: Current 401k with Huge Fees, Anything I can do?
Replies: 20
Views: 2651

Re: Current 401k with Huge Fees, Anything I can do?

1. Invest up to the match in 401k
2. HSA
3. Roth IRA
4. Taxable account investing
5. Volunteer to help find a better alternative 401k

Those fees are criminal. Out of principle, I wouldn't invest above the match.

Regards,
John
by John Laurens
Wed Jun 07, 2017 5:34 pm
Forum: Personal Investments
Topic: HSA with HSA bank (my options?)
Replies: 44
Views: 9414

Re: HSA with HSA bank (my options?)

You are not kidding about lack of clarity and service with each HSA provider. HSA bank isn't perfect either with website and service. I figure, over time, the 5000 "minimum" that I keep at TDA will easily make up for the $66 (5.50x12) yearly fee.

John
by John Laurens
Wed Jun 07, 2017 5:13 pm
Forum: Personal Investments
Topic: HSA with HSA bank (my options?)
Replies: 44
Views: 9414

Re: HSA with HSA bank (my options?)

I have have HSA bank with TDAmeritrade. I have 50k+ on the TDA side. I keep 100 bucks in the HSA account after each yearly sweep of my HSA contribution to TDA. The monthly fee for keeping the low balance is $5.50. I'm fine with that. I would rather stay nearly 100% invested with my overall AA.

Regards,
John
by John Laurens
Fri Jun 02, 2017 10:20 am
Forum: Personal Investments
Topic: IRA Index picks?
Replies: 23
Views: 2437

Re: IRA Index picks?

Starting out I would just keep it simple with (VT) Vanguard Total World with auto reinvested dividends. That is what my teenage boys have in their Roth Ira's. They shouldn't spend more than 2 minutes a year managing their investments.

Regards,
John
by John Laurens
Thu Jun 01, 2017 12:59 pm
Forum: Personal Consumer Issues
Topic: Used 2013 Audi A5 or New Honda Accord Sport
Replies: 71
Views: 13947

Re: Use 2013 Audi A5 or New Honda Accord Sport

If you bought both today, which would be worth more at the end of the month? The Audi. I would buy the Audi after I took it to a mechanic.

Regards,
John
by John Laurens
Wed May 31, 2017 11:09 pm
Forum: Personal Consumer Issues
Topic: Nephews play football - don't want to encourage this
Replies: 45
Views: 5535

Re: Nephews play football - don't want to encourage this

You should buy all the raffle tickets. You are a boglehead. You shouldn't speculate on just one or two tickets. "Buy the whole haystack".

Regards,
John
by John Laurens
Wed May 31, 2017 4:56 pm
Forum: Personal Finance (Not Investing)
Topic: What to do with first savings
Replies: 9
Views: 1364

Re: What to do with first savings

I think you are doing fantastic. I wish I had found bogleheads when I was 26. Of course, there was no such thing. I can't recommend enough, the pdf from William Bernstein "If you can". I think investing early and holding cash with no debt is a fantastic position to be in at your age. At your age, I would concentrate on my career and continue renting.

Regards,
John
by John Laurens
Wed May 31, 2017 4:31 pm
Forum: Personal Investments
Topic: Should I max out wife's 401k
Replies: 26
Views: 2724

Re: Should I max out wife's 401k

indexonlyplease wrote:Does that mean when you invest in taxable plans first you pay taxes on the money invest it and then pay capital gain rates??? If this is true I see why most state invest in the taxed deferred plan. You only pay taxes when you take money out in future.

Correct. All things being equal. There is a tipping point though where extremely tax efficient investments (think total market domestic/international index funds) with basic obvious opportunity TLH in a taxable account may be better than a very high fee, with poor investment choices, unmatched 401k contribution. Where that demarcation is depends on many factors.

Regards,
John
by John Laurens
Wed May 31, 2017 2:16 pm
Forum: Investing - Theory, News & General
Topic: Convert SEP IRA to Solo 401 K
Replies: 13
Views: 3462

Re: Convert SEP IRA to Solo 401 K

Shouldn't be a problem to open solo 401k for you and your wife. Pick a company that allows incoming rollovers. My wife and I have our solo 401k with TDA. Vanguard's solo 401K does not accept incoming rollovers.

Regards,
John
by John Laurens
Wed May 31, 2017 12:49 pm
Forum: Personal Investments
Topic: Should I max out wife's 401k
Replies: 26
Views: 2724

Re: Should I max out wife's 401k

I don't invest with Wealthfront, but they have a white paper discussing your question. There is a point where 401k plan fees and one's particular tax situation can tilt in favor of taxable investing over non matched 401k contributions. May be worth your time to read.

Regards,
John
by John Laurens
Tue May 30, 2017 4:58 pm
Forum: Personal Investments
Topic: IRA Index picks?
Replies: 23
Views: 2437

Re: IRA Index picks?

bsdsecprof wrote:Thanks for replying Bloom. I've heard anywhere from 0% to 20% in bonds. I do prefer the lower expenses of ETF's. This is the thread I'm drawing upon, viewtopic.php?t=38374

Hi Livesoft, I saw some of your posts in Trev's thread. How would you reduce the funds you listed down to 4 (5 with bonds)? Mostly likely the TSM/TISM? Would you implement the bond portion right away or wait till I'm 20-30 years from my target date?

John, VYMI hold 19% in EM
Ok. Thank you. I am not familiar with the ticker and the OP doesn't say International high dividend yield.

My boys are a little younger than you. Their only holding in their Roth is Vanguard Total World.

Regards,
John
by John Laurens
Tue May 30, 2017 4:41 pm
Forum: Personal Investments
Topic: IRA Index picks?
Replies: 23
Views: 2437

Re: IRA Index picks?

Do you not want to hold large cap companies from emerging markets?

Regards,
John