Portfolio Review Request and Recommendation

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Topic Author
Hugh Prolly-Wright
Posts: 90
Joined: Thu Sep 15, 2016 8:10 pm

Portfolio Review Request and Recommendation

Post by Hugh Prolly-Wright »

Emergency Fund: Yes

Debt: 326k Mortgage at 3%.

Tax filing: Married filing jointly
Tax Rate: 24% Fed, 4.75% State
State of Residence: NC
Age: 61

Desired AA: 80%/20%
Desired International: Somewhat agnostic, currently at 4.5%
Current AA: 78%/17% (remainder is miscellaneous; pension, REITs)

Approximate Portfolio: mid 7 figures

Current retirement assets:

Taxable,
Name, (ticker), (exp ratio, if applicable), percent of total assets
Alphabet Inc (GOOG) 0.79%
Amazon.com Inc (AMZN) 3.89%
Apple Inc (AAPL) 7.95%
Ares Capital Corp (ARCC) 1.56%
Bank of America Corp (BAC) 0.85%
Blackstone Secured Lending Fund (BXSL) 0.57%
Capital Southwest Corp (CSWC) 0.58%
Delta Air Lines Inc (DAL) 0.23%
DigitalBridge Group Inc (DBRG) 0.07%
Financial Select Sector SPDR Fund (XLF) (0.09%) 0.05%
Goldman Sachs BDC Inc (GSBD) 0.57%
Invesco BulletShares 2028 High Yield Corporate Bond ETF (BSJS) (0.42%) 0.33%
Invesco BulletShares 2029 High Yield Corporate Bond ETF (BSJT) (0.42%) 0.33%
Invesco Bulletshares 2030 High Yield Corporate Bond ETF (BSJU) (0.42%) 0.33%
iShares iBonds 2028 Term High Yield and Income ETF (IBDT) (0.10%) 0.56%
iShares iBonds Dec 2029 Term Corporate ETF (IBDU) (0.10%) 0.56%
Janus Henderson AAA CLO ETF (JAAA) (0.21%) 0.69%
Janus Henderson Mortgage-Backed Securities ETF (JMBS) (0.23%) 0.45%
JPMorgan Chase & Co (JPM) 0.43%
JPMorgan Equity Premium Income ETF (JEPQ) (0.35%) 0.81%
JPMorgan Ultra-Short Income ETF (JPST) (0.18%) 0.65%
Midcap Financial Investment Corp (MFIC) 0.60%
Old Second Bancorp (OSBC) 0.59%
Realty Income Corp (O) 0.23%
SPDR Portfolio High Yield Bond ETF (SPHY) (0.05%) 1.25%
Vanguard Dividend Appreciation Index Fund ETF Shares (VIG) (0.08%) 0.23%
Vanguard High Dividend Yield Index Fund ETF Shares (VHYAX) (0.08%) 1.32%
Vanguard REIT Index Fund Admiral Shares (VGSLX) (0.13%) 2.50%
Vanguard S&P 500 ETF (VOO) (0.03%) 4.32%
Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) (0.05%) 1.12%
Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) (0.12%) 2.71%
Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) (0.04%) 7.90%
Cash 0.48%

His 401K (company match at 5% of salary)
T ROWE LARGE-CAP GR TRUST (JAQNT) (0.28%) 0.10%
VANGUARD INSTL 500 INDEX TRUST (VGINT) (0.01%) 6.99%
VANGUARD INSTL EXTENDED MKT (VGIET) (0.02%) 4.50%
VANGUARD INSTL TTL BD MKT IND (VGITT) (0.03%) 5.21%
VANGUARD INSTL TTL INTL STOCK (VGIST) (0.06%) 3.32%

His Roth 401K
T ROWE LARGE-CAP GR TRUST (JAQNT) (0.28%) 0.06%
VANGUARD INSTL 500 INDEX TRUST (VGINT) (0.01%) 2.02%
VANGUARD INSTL EXTENDED MKT (VGIET) (0.02%) 1.01%
VANGUARD INSTL TTL BD MKT IND (VGITT) (0.03%) 1.23%
VANGUARD INSTL TTL INTL STOCK (VGIST) (0.06%) 0.68%

His Rollover IRA at Vanguard
Vanguard Mid-Cap Index Fund Admiral Shares (VIMAX) (0.05%) 4.05%
Vanguard Total International Bond Index Fund Admiral Shares (VTABX) (0.11%) 1.41%
Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) (0.04%) 13.87%

His Inherited IRA at Vanguard (Currently has an RMD in force)
Arbor Realty Trust Inc (ABR) 0.12%
Dynex Capital Inc (DX) 0.11%
Exelon Corp (EXC) 0.06%
Panagram Bbb-B Clo ETF (CLOZ) (0.50%) 0.56%
Vanguard High Dividend Yield Index Fund Admiral (VHYAX) (0.08%) 0.13%

Her Traditional IRA at Vanguard
Vanguard 500 Index Fund Admiral Shares (VFIAX) (0.04%) 1.26%
Vanguard Energy Fund Investor Shares (VGENX) (0.44%) 0.09%
Vanguard Health Care Fund Admiral Shares 2.14%
Vanguard REIT Index Fund Admiral Shares (VGSLX) (0.13%) 0.16%
Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) (0.05%) 0.10%

Other
His pension at Employer (payable as an annuity, $988 per month, or lump sum) 3.39%
His Employer Deferred Compensation 0.78%
His Employer Equity and LT Cash Plan 0.42%
Health Savings Account 0.38%

401k Investment choices available to him.
EQUITY/STOCK
ACADIAN ALL WORLD EX-US EQUITY (GGRRT) (0.45%)
BLACKROCK EQUITY DIVIDEND CL M (EDFMT) (0.28%)
BLACKROCK LG CAP GWTH EQ CL T (BUFTT) (0.28%)
BLACKROCK RUSSELL 2000 FUND G1 (RRUST) (0.43%)
DODGE & COX STOCK CL X (DOXGX) (0.46%)
EARNEST PARTNERS SMID CP CORE (EPSCT) (0.52%)
MFS INTERNATIONAL GROWTH (MIGFT) (0.38%)
NORTHERN GLBL SUSTAINABILITY I (NSRIX) (0.29%)
STATE STREET REAL ASSET K (SSRLT) (0.18%)
T ROWE LARGE-CAP GR TRUS (JAQNT) (0.28%)
VANGUARD INSTL 500 INDEX TRUST (VGINT) (0.01%)
VANGUARD INSTL EXTENDED MKT (VGIET) (0.02%)
VANGUARD INSTL TTL INTL STOCK (VGIST) (0.05%)
BOND/FIXED INCOME
PIMCO TOTAL RETURN PORT. INSTL (PTTRX) (0.49%)
VANGUARD INFLATION-PROTECTED (VIPIX) (0.07%)
VANGUARD INSTL TTL BD MKT IND (VGITT) (0.02%)
WESTERN ASSET CORE BOND R3 (WACIT) (0.25%)
ALLOCATION FUNDS
BLACKROCK GLOBAL ALLOC CL J (BLIFT) (0.46%)
LIFEPATH INDEX 2025 FUND T (BLPRT) (0.05%)
LIFEPATH INDEX 2030 FUND T (BLPQT) (0.05%)
LIFEPATH INDEX 2035 FUND T (BLPVT) (0.05%)
LIFEPATH INDEX 2040 FUND T (BLPKT) (0.05%)
LIFEPATH INDEX 2045 FUND T (BLPXT) (0.05%)
LIFEPATH INDEX 2050 FUND T (BLPYT) (0.05%)
LIFEPATH INDEX 2055 FUND T (BLPPT) (0.05%)
LIFEPATH INDEX 2060 FUND T (BLPAT) (0.05%)
LIFEPATH INDEX 2065 FUND T (BLPFT) (0.05%)
LIFEPATH INDEX RETIREMENT FD T (BLPGT) (0.05%)
PIMCO ALL ASSET FUND (PAAIX) (1.50%)
STABLE VALUE
STABLE VALUE FUND (MLSVF) (0.03%)


Questions/Explanation:

Planning to retire within 6 months—possibly sooner.
  • I am way overweight in qualified, and plan some Roth conversions over the next decade. Any advice for when/how much per year?
  • I'm obviously not a purist when it comes to bogleheading, but what changes should I make going into retirement? Someone mentioned that it's unlikely the tech rally over the past decade in the likes of Apple, Amazon, and Google (all of which I own as single names) is unlikely to repeat in the next 10 years.
  • Our projected spend in retirement is such that that 2.6% of assets would fund this. This does not factor in SS. If/when I claim SS, the % required from the portfolio moves to about 1.6% of the portfolio. Given my overweighting in Qualified, I’m looking for tax efficient strategies going forward.
User avatar
FiveK
Posts: 16228
Joined: Sun Mar 16, 2014 2:43 pm

Re: Portfolio Review Request and Recommendation

Post by FiveK »

Hugh Prolly-Wright wrote: Sat Jun 08, 2024 6:24 pm
  1. I am way overweight in qualified, and plan some Roth conversions over the next decade. Any advice for when/how much per year?
  2. I'm obviously not a purist when it comes to bogleheading, but what changes should I make going into retirement? Someone mentioned that it's unlikely the tech rally over the past decade in the likes of Apple, Amazon, and Google (all of which I own as single names) is unlikely to repeat in the next 10 years.
  3. Our projected spend in retirement is such that that 2.6% of assets would fund this. This does not factor in SS. If/when I claim SS, the % required from the portfolio moves to about 1.6% of the portfolio. Given my overweighting in Qualified, I’m looking for tax efficient strategies going forward.
1. See Whether, when, and how much to convert
2. You'll only know what you "should do" when you look back at what you "should have done". ;) You might consider reducing the number of separate investments, particularly if your surviving spouse wouldn't be interested in dealing with the complexity.
3. Delay taking SS and see #1. Good luck!
Outer Marker
Posts: 4539
Joined: Sun Mar 08, 2009 8:01 am

Re: Portfolio Review Request and Recommendation

Post by Outer Marker »

Hugh Prolly-Wright wrote: Sat Jun 08, 2024 6:24 pm I'm obviously not a purist when it comes to bogleheading, but what changes should I make going into retirement?
Congratulations on amassing a large nest egg. You should be well set in retirement. I would recommend that you move closer to becoming a Boglehead purist and simplify you holdings into a low cost, three-fund index portfolio. viewtopic.php?t=88005. There's a small chance your complicated set of individual holdings and sector bets will outperform the market -- but a large chance they will under-perform it.

I would consider upping your fixed income to 30% - or, alternatively at least 10 years of spend. I differ here with the standard three-fund recommendation of Total Bond, as I prefer more security on the fixed income side. I'd use short term treasury index, or a 10 year tips ladder for fixed income. Get rid of the high yield junk bonds and take all your risk on the equity side.

Default recommendation is 20% of equity in international. That's a solid starting point. viewtopic.php?t=196956
invest4
Posts: 2032
Joined: Wed Apr 24, 2019 2:19 am

Re: Portfolio Review Request and Recommendation

Post by invest4 »

Congratulations on your financial independence!

General

* Do yourself a favor and simplify your financial life


* Create a simple, diversified portfolio that will be enduring for the long term. You simply do not need many funds / ETFs to accomplish this.


Taxable

* You have many small positions...these don't matter to your portfolio and are essentially "clutter"...clean house.


* Individual Stocks - Sell high! Many of the stocks are small positions and essentially "clutter" in your portfolio. Amazon is the largest and served you well...sell high!


His 401k

* Seems you are doing your best with the funds available to you...is good enough.


His Roth

* Roth should be used for those stocks who are likely to have the most growth. Bonds should not be in Roth. Otherwise, is good that you try to follow your asset allocation across accounts. HOWEVER, please keep in mind it does not matter that each individual account matches the others, but that it matches overall.

For example, I have an HSA and Roth accounts which are 100% VTI (Total US Stock Market). In my 401k I have some VTI, VXUS, BND, and BNDX . All together, they align with what I desire for my overall portfolio asset allocation (ex: 70/30 stocks / bonds and 80/20 (US/Intl), which is what matters.


His Roth 401k

* Same as above.


His Rollover IRA

* Recommend Total US, Total Intl. and bond / fixed income. You don't need more...although I personally maintain 20% in International Bond as well.


His Inherited IRA

* Sell individual stocks and invest according to your AA


Her Traditional IRA

* Any reason the investments here are so different than yours? Granted, some couples like to each invest in their own way.


Other

* Pension: In your case, unless it has increases for cost of living (COLA), I would take the lump sum and not bother with it.

* HSA: great.



Questions:

* Roth conversions and tax strategies: Others with more experience will chime in.

* Market timing aside, sell the individual stocks as mentioned further above.


Best wishes.
Topic Author
Hugh Prolly-Wright
Posts: 90
Joined: Thu Sep 15, 2016 8:10 pm

Re: Portfolio Review Request and Recommendation

Post by Hugh Prolly-Wright »

invest4 wrote: Sun Jun 09, 2024 10:41 am His Roth

* Roth should be used for those stocks who are likely to have the most growth. Bonds should not be in Roth. Otherwise, is good that you try to follow your asset allocation across accounts. HOWEVER, please keep in mind it does not matter that each individual account matches the others, but that it matches overall.
This is an interesting comment. The way (I think) the plan works is, I choose which % goes into traditional, and which goes into the Roth, but I can't choose different funds. It just gets apportioned by percentage.
invest4 wrote: Sun Jun 09, 2024 10:41 am Her Traditional IRA

* Any reason the investments here are so different than yours? Granted, some couples like to each invest in their own way.
Nothing other than laziness on my part, and perhaps to your earlier comment... I need to simplify my financial life.
invest4
Posts: 2032
Joined: Wed Apr 24, 2019 2:19 am

Re: Portfolio Review Request and Recommendation

Post by invest4 »

Hugh Prolly-Wright wrote: Sun Jun 09, 2024 1:29 pm
invest4 wrote: Sun Jun 09, 2024 10:41 am His Roth

* Roth should be used for those stocks who are likely to have the most growth. Bonds should not be in Roth. Otherwise, is good that you try to follow your asset allocation across accounts. HOWEVER, please keep in mind it does not matter that each individual account matches the others, but that it matches overall.
This is an interesting comment. The way (I think) the plan works is, I choose which % goes into traditional, and which goes into the Roth, but I can't choose different funds. It just gets apportioned by percentage.
invest4 wrote: Sun Jun 09, 2024 10:41 am

I’ve never seen / experienced that for myself. Regardless, it would be a good idea to check.
invest4
Posts: 2032
Joined: Wed Apr 24, 2019 2:19 am

Re: Portfolio Review Request and Recommendation

Post by invest4 »

Hugh Prolly-Wright wrote: Sun Jun 09, 2024 1:29 pm
invest4 wrote: Sun Jun 09, 2024 10:41 am His Roth

* Roth should be used for those stocks who are likely to have the most growth. Bonds should not be in Roth. Otherwise, is good that you try to follow your asset allocation across accounts. HOWEVER, please keep in mind it does not matter that each individual account matches the others, but that it matches overall.
This is an interesting comment. The way (I think) the plan works is, I choose which % goes into traditional, and which goes into the Roth, but I can't choose different funds. It just gets apportioned by percentage.
I’ve never seen / experienced that for myself. Regardless, it would be a good idea to check.
Topic Author
Hugh Prolly-Wright
Posts: 90
Joined: Thu Sep 15, 2016 8:10 pm

Re: Portfolio Review Request and Recommendation

Post by Hugh Prolly-Wright »

invest4 wrote: Sun Jun 09, 2024 9:14 pm
Hugh Prolly-Wright wrote: Sun Jun 09, 2024 1:29 pm
invest4 wrote: Sun Jun 09, 2024 10:41 am His Roth

* Roth should be used for those stocks who are likely to have the most growth. Bonds should not be in Roth. Otherwise, is good that you try to follow your asset allocation across accounts. HOWEVER, please keep in mind it does not matter that each individual account matches the others, but that it matches overall.
This is an interesting comment. The way (I think) the plan works is, I choose which % goes into traditional, and which goes into the Roth, but I can't choose different funds. It just gets apportioned by percentage.
I’ve never seen / experienced that for myself. Regardless, it would be a good idea to check.
So I called them to confirm. I have no ability to choose distinct funds for the Roth side vs the traditional side. I make the fund choices first, then the % in each side.
James.534
Posts: 326
Joined: Thu Feb 04, 2021 1:34 pm

Re: Portfolio Review Request and Recommendation

Post by James.534 »

Keep

Alphabet Inc (GOOG) 0.79%
Vanguard S&P 500 ETF (VOO) (0.03%) 4.32%
Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) (0.12%) 2.71%
Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) (0.04%) 7.90%
Cash 0.48%

Downsize

Amazon.com Inc (AMZN) 3.89%
Apple Inc (AAPL) 7.95%

Sell

Ares Capital Corp (ARCC) 1.56%
Bank of America Corp (BAC) 0.85%
Blackstone Secured Lending Fund (BXSL) 0.57%
Capital Southwest Corp (CSWC) 0.58%
Delta Air Lines Inc (DAL) 0.23%
DigitalBridge Group Inc (DBRG) 0.07%
Financial Select Sector SPDR Fund (XLF) (0.09%) 0.05%
Goldman Sachs BDC Inc (GSBD) 0.57%
Invesco BulletShares 2028 High Yield Corporate Bond ETF (BSJS) (0.42%) 0.33%
Invesco BulletShares 2029 High Yield Corporate Bond ETF (BSJT) (0.42%) 0.33%
Invesco Bulletshares 2030 High Yield Corporate Bond ETF (BSJU) (0.42%) 0.33%
iShares iBonds 2028 Term High Yield and Income ETF (IBDT) (0.10%) 0.56%
iShares iBonds Dec 2029 Term Corporate ETF (IBDU) (0.10%) 0.56%
Janus Henderson AAA CLO ETF (JAAA) (0.21%) 0.69%
Janus Henderson Mortgage-Backed Securities ETF (JMBS) (0.23%) 0.45%
JPMorgan Chase & Co (JPM) 0.43%
JPMorgan Equity Premium Income ETF (JEPQ) (0.35%) 0.81%
JPMorgan Ultra-Short Income ETF (JPST) (0.18%) 0.65%
Midcap Financial Investment Corp (MFIC) 0.60%
Old Second Bancorp (OSBC) 0.59%
Realty Income Corp (O) 0.23%
SPDR Portfolio High Yield Bond ETF (SPHY) (0.05%) 1.25%
Vanguard Dividend Appreciation Index Fund ETF Shares (VIG) (0.08%) 0.23%
Vanguard High Dividend Yield Index Fund ETF Shares (VHYAX) (0.08%) 1.32%
Vanguard REIT Index Fund Admiral Shares (VGSLX) (0.13%) 2.50%
Vanguard Total Bond Market Index Fund Admiral Shares (VBTLX) (0.05%) 1.12%

New

Vanguard Imm Term Muni or Similar for bond like hondings in taxable
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bertilak
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Location: East of the Pecos, West of the Mississippi

Re: Portfolio Review Request and Recommendation

Post by bertilak »

James.534 wrote: Mon Jun 10, 2024 11:41 am Keep

Alphabet Inc (GOOG) 0.79%
Vanguard S&P 500 ETF (VOO) (0.03%) 4.32%
Vanguard Total International Stock Index Fund Admiral Shares (VTIAX) (0.12%) 2.71%
Vanguard Total Stock Market Index Fund Admiral Shares (VTSAX) (0.04%) 7.90%
VOO is a subset of VTSAX so is redundant. VTSAX can be converted to VTI, the equivalent ETF -- if held at Vanguard. I'm not sure of the situation if held at another brokerage. You could do an in-kind xfer to Vanguard, if needed.

I would also drop GOOG as I think individual stocks are unnecessarily risky.
May neither drought nor rain nor blizzard disturb the joy juice in your gizzard. -- Squire Omar Barker (aka S.O.B.), the Cowboy Poet
James.534
Posts: 326
Joined: Thu Feb 04, 2021 1:34 pm

Re: Portfolio Review Request and Recommendation

Post by James.534 »

Regarding VOO and VTSAX , basically the same, did not see the need to incur LTCG for the same asset
User avatar
bertilak
Posts: 10946
Joined: Tue Aug 02, 2011 5:23 pm
Location: East of the Pecos, West of the Mississippi

Re: Portfolio Review Request and Recommendation

Post by bertilak »

James.534 wrote: Mon Jun 10, 2024 1:00 pm Regarding VOO and VTSAX , basically the same, did not see the need to incur LTCG for the same asset
You're saying, if you got 'em both, keep 'em both, but you are recommending the sale of much more so that sems like a drop in the bucket.
May neither drought nor rain nor blizzard disturb the joy juice in your gizzard. -- Squire Omar Barker (aka S.O.B.), the Cowboy Poet
James.534
Posts: 326
Joined: Thu Feb 04, 2021 1:34 pm

Re: Portfolio Review Request and Recommendation

Post by James.534 »

The taxable account is unnecessarily complicated , I would move towards a less complicated portfolio. I would get rid of the individual stock positions, bonds and reits. Eventually I would move towards either VOO or VTSAX but not both, but I dont think I would sell them and incur taxes just because it makes it less complicated, because they are basically the same fund. The individual shares make it complicated but overall probably add little value from a diversification standpoint. Probably the wrong account for bonds in general especially with the amount of wealth and an assumption or a good paycheck and high marginal rate. Some of the smaller weighted funds add little extra value in diversification.
invest4
Posts: 2032
Joined: Wed Apr 24, 2019 2:19 am

Re: Portfolio Review Request and Recommendation

Post by invest4 »

Hugh Prolly-Wright wrote: Mon Jun 10, 2024 11:27 am
invest4 wrote: Sun Jun 09, 2024 9:14 pm
Hugh Prolly-Wright wrote: Sun Jun 09, 2024 1:29 pm
invest4 wrote: Sun Jun 09, 2024 10:41 am His Roth

* Roth should be used for those stocks who are likely to have the most growth. Bonds should not be in Roth. Otherwise, is good that you try to follow your asset allocation across accounts. HOWEVER, please keep in mind it does not matter that each individual account matches the others, but that it matches overall.
This is an interesting comment. The way (I think) the plan works is, I choose which % goes into traditional, and which goes into the Roth, but I can't choose different funds. It just gets apportioned by percentage.
I’ve never seen / experienced that for myself. Regardless, it would be a good idea to check.
So I called them to confirm. I have no ability to choose distinct funds for the Roth side vs the traditional side. I make the fund choices first, then the % in each side.
Interesting! The good news is that in the grand scheme of things, it doesn't change anything for you.

Best wishes.
doobiedoo
Posts: 1060
Joined: Fri Jul 23, 2021 1:10 pm
Location: Southern CA

Re: Portfolio Review Request and Recommendation

Post by doobiedoo »

OP, why do you have SO MANY funds and stocks in such LOW percentages?
I count 34 funds and stocks with < 1.0% allocation and another 9 with < 2% allocation.

Do you think you need that kind of "diversification"?
Do you think it is safer to only own a little bit of each investment?
Are you only buying in targeted windows of value and stop buying when the price moves out of your value zone?
Do you think all of those assets are equally good buys and you are rotating around them?

Whatever your answers are, you have created a complex portfolio!
It is difficult to keep track of what you own, let alone understand it all.
Topic Author
Hugh Prolly-Wright
Posts: 90
Joined: Thu Sep 15, 2016 8:10 pm

Re: Portfolio Review Request and Recommendation

Post by Hugh Prolly-Wright »

doobiedoo wrote: Wed Jun 12, 2024 2:53 am OP, why do you have SO MANY funds and stocks in such LOW percentages?
I count 34 funds and stocks with < 1.0% allocation and another 9 with < 2% allocation.

Do you think you need that kind of "diversification"?
Do you think it is safer to only own a little bit of each investment?
Are you only buying in targeted windows of value and stop buying when the price moves out of your value zone?
Do you think all of those assets are equally good buys and you are rotating around them?

Whatever your answers are, you have created a complex portfolio!
It is difficult to keep track of what you own, let alone understand it all.
Some of the holdings (the Business Development Corps, other funds) pay a handsome dividend. Other positions were acquired low and have increased substantially, so have paid off. I almost always buy and hold for a long time. Nothing I've bought was purchased with a goal at diversification, or with safety in mind. The positions are in service toward the goal to increase value, and with a few exceptions, they have.
James.534
Posts: 326
Joined: Thu Feb 04, 2021 1:34 pm

Re: Portfolio Review Request and Recommendation

Post by James.534 »

Did you compare your returns to say either VOO and VTSAX ? How much alpha did you create with this strategy?
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