Boglehead Portfolio

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rickberg
Posts: 20
Joined: Tue Sep 09, 2014 7:36 pm

Boglehead Portfolio

Post by rickberg » Fri Mar 20, 2015 1:06 pm

Emergency funds: Yes 6 months
Debt: Mortgage $95k @4.375% fixed
Tax Filing Status: Single
Tax Rate: ?% Federal, ?% State
State of Residence: NY
Age: 33
Desired Asset allocation: 90% stocks / 10% bonds
Desired International allocation: 30-40% of stocks

Recently switched to a new company and I'm trying to figure out the most boglehead way to build my portfolio. Given the choices below, which funds should I choose to build my lazy portfolio? Looking for a 90/10 allocation.

Contributions
New annual Contributions - $18k + comp match

Name Expense Ratio
Target Date Income Fund 0.11
Target Date 2015 Fund 0.1
Target Date 2020 Fund 0.09
Target Date 2025 Fund 0.09
Target Date 2030 Fund 0.09
Target Date 2035 Fund 0.09
Target Date 2040 Fund 0.1
Target Date 2045 Fund 0.1
Target Date 2050 Fund 0.1
Target Date 2055 Fund 0.1
Stable Value Fund 0.22
Government Inflation-Protected Bond Fund 0.23
Core Bond Fund 0.41
Intermediate Bond Fund 0.23
High Yield Bond Fund 0.36
Large Cap Value Index Fund 0.07
Large Cap Value Fund 0.35
S&P 500 Index Fund 0.04
Large Cap Growth Index Fund 0.07
Large Cap Growth Fund 0.41
Mid Cap Value Fund 0.42
Mid Cap Growth Fund 1.11
Small Cap Index Fund 0.1
Small Cap Core Fund 1.15
Small Cap Blend Fund 0.62
International Large Cap Value Fund 0.32
International Large Cap Index Fund 0.1
International Small Cap Index Fund 0.16
Emerging Market Equity Index Fund 0.18

Thanks
Last edited by rickberg on Fri Mar 20, 2015 2:02 pm, edited 1 time in total.

red5
Posts: 779
Joined: Sun Apr 01, 2012 4:42 pm

Re: Boglehead Portfolio

Post by red5 » Fri Mar 20, 2015 1:23 pm

Target Date 2055

or

10% Stable Value or Core Bond or ...
60% S&P 500
30% International Large Cap index


That is what **I** would personally do, I think.
Last edited by red5 on Fri Mar 20, 2015 1:24 pm, edited 1 time in total.

RadAudit
Posts: 3084
Joined: Mon May 26, 2008 10:20 am
Location: Second star on the right and straight on 'til morning

Re: Boglehead Portfolio

Post by RadAudit » Fri Mar 20, 2015 1:24 pm

A difficult question to answer with any degree of correctness without any information concerning your age, financial condition, goals, etc., etc. (see Asking Questions and a few more of the topics here [including reading a few of the referenced books] http://www.bogleheads.org/wiki/Getting_started )

That said, if you look at a target date fund from anywhere between 2055 and 2040 (?), I think you'll find their asset allocation is pretty close to 90 / 10. The next question would be how long you want it to stay near 90 / 10.
FI is the best revenge. LBYM. Invest the rest. Stay the course. - PS: The calvary isn't coming, kids. You are on your own.

rickberg
Posts: 20
Joined: Tue Sep 09, 2014 7:36 pm

Re: Boglehead Portfolio

Post by rickberg » Fri Mar 20, 2015 2:04 pm

RadAudit wrote:A difficult question to answer with any degree of correctness without any information concerning your age, financial condition, goals, etc., etc. (see Asking Questions and a few more of the topics here [including reading a few of the referenced books] http://www.bogleheads.org/wiki/Getting_started )

That said, if you look at a target date fund from anywhere between 2055 and 2040 (?), I think you'll find their asset allocation is pretty close to 90 / 10. The next question would be how long you want it to stay near 90 / 10.
Updated original post to include a bit more detail. Assuming this is the only account that I have - would the recommendation be to go with the target date fund rather than select the index funds offered and make my own portfolio?

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