How many funds do you have in your portfolio?

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abuss368
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How many funds do you have in your portfolio?

Post by abuss368 » Sun Nov 10, 2013 10:23 pm

I am curious of Bogleheads in terms of how many funds do you typically have in your portfolio. I am guessing that for the most part there are two camps - the total market / 3 fund folks and then the slice and dice side of things.

I would be interested to see the number of funds and the names and allocation.

For example we are "age in bonds less 10". We use 5 funds. Diversified, low costs, and stay the course is the philosophy. Stocks, Bonds, Real Estate, and cash is the strategy.

Total Stock Market
Total International Market
US REIT Index
International REIT Index
Total Bond Market

Really mixed feelings on Inflation bonds / TIPS.

We have found that 5 funds is plenty to manage, rebalance, and allocate to. Most Bogleheads like to keep a simple investment approach.

Thank you in advance for any feedback and insight.
Last edited by abuss368 on Sun Nov 10, 2013 10:28 pm, edited 1 time in total.
John C. Bogle - Two Fund Portfolio: Total Stock & Total Bond. "Simplicity is the master key to financial success."

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pjstack
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Re: How many funds do you have in your portfolio?

Post by pjstack » Sun Nov 10, 2013 10:26 pm

VBIAX and money market fund. (Plus I-Bonds/)
pjstack

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abuss368
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Re: How many funds do you have in your portfolio?

Post by abuss368 » Sun Nov 10, 2013 10:28 pm

What fund is that? Balanced fund? Simple 1 fund approach?
John C. Bogle - Two Fund Portfolio: Total Stock & Total Bond. "Simplicity is the master key to financial success."

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Archie Sinclair
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Re: How many funds do you have in your portfolio?

Post by Archie Sinclair » Sun Nov 10, 2013 10:32 pm

Total Stock Market + Small Cap Value 33%

Total International 33%

Intermediate Tax-Exempt + CDs + I Bonds 33%
Last edited by Archie Sinclair on Sun Nov 10, 2013 10:35 pm, edited 1 time in total.

sscritic
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Re: How many funds do you have in your portfolio?

Post by sscritic » Sun Nov 10, 2013 10:34 pm

Thirteen in taxable, IRAs, and 403(b)s combined. Another fun question is how many accounts do you have? I have two at institution A, four at institution B, and one at institution C, seven in all.

Recap: 3 institutions, 7 accounts, and 13 funds.

That's an average of 1.86 funds per account, 2.33 accounts per institution, and 4.33 funds per institution. What are your numbers?

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Aptenodytes
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Re: How many funds do you have in your portfolio?

Post by Aptenodytes » Sun Nov 10, 2013 10:36 pm

From your opening paragraph it sounds like you are interested in how many asset categories people have. That's not necessarily the same as how many funds people have.

If you want comparable information on the question you are curious about, I suggest you edit the post so that the topic is titled "how many asset categories do you have?"

As written right now your post will elicit a much wider range of numbers than you seek. It is not at all hard for someone to have something like 3-4 asset categories but 15-20 funds.

It is like the difference between asking "how many types of soup are in your pantry" and "how many cans of soup are in your pantry." For some people the numbers might be the same, but for a population as a whole the means and ranges will be very different.

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abuss368
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Re: How many funds do you have in your portfolio?

Post by abuss368 » Sun Nov 10, 2013 10:38 pm

Aptenodytes wrote:From your opening paragraph it sounds like you are interested in how many asset categories people have. That's not necessarily the same as how many funds people have.

If you want comparable information on the question you are curious about, I suggest you edit the post so that the topic is titled "how many asset categories do you have?"

As written right now your post will elicit a much wider range of numbers than you seek. It is not at all hard for someone to have something like 3-4 asset categories but 15-20 funds.

It is like the difference between asking "how many types of soup are in your pantry" and "how many cans of soup are in your pantry." For some people the numbers might be the same, but for a population as a whole the means and ranges will be very different.

It is all the same. I will say many interesting responses thus far. Please feel free to add your number of funds sorted any way that works.

Best.
John C. Bogle - Two Fund Portfolio: Total Stock & Total Bond. "Simplicity is the master key to financial success."

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NightOwl
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Re: How many funds do you have in your portfolio?

Post by NightOwl » Sun Nov 10, 2013 10:46 pm

I own 7 funds in total, but three of those are Total Stock Market funds because my 401k is with Fidelity, my taxable is with Vanguard, and one is a fund I got stuck in when I TLH'd a few years back.

Those seven funds cover the following asset classes:
1. Total Bond Market
2. Total Stock Market
3. International Blend
4. International Small
5. Small Value

NightOwl
"Volatility provokes the constant dread that some investors know more than we do, making us fearful of ignoring such powerful price movements." | Peter Bernstein, "The 60/40 Solution."

tpm871
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Re: How many funds do you have in your portfolio?

Post by tpm871 » Sun Nov 10, 2013 11:00 pm

I'm in the slice & dice camp. I have:

US Equity
Total stock market
Large value
Small blend
Small value

International Equity
European index
Pacific Rim index
Emerging markets index
International small index
International real estate

Bonds
CD ladder
TIPs / I bonds
Municipal bond fund

I'd point out that this can be lower cost (e.g., the ERs for individual international funds are lower than the total international fund at Vanguard) and more diversified (i.e., less concentrated in large cap) than the three fund portfolio, but it depends on your allocations.

I have no problem staying the course, although that doesn't mean that I don't occasionally reevaluate the long term prospects of each fund in relation to the portfolio. For example, this year I switched from investing in a Treasury Bond Fund to doing a CD Ladder with those funds instead -- lower risk, lower cost, higher interest rates. I think this will be a better choice for many years to come.

Fclevz
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Re: How many funds do you have in your portfolio?

Post by Fclevz » Sun Nov 10, 2013 11:02 pm

One investment fund: Target Retirement 2030 (VTHRX)
One checking account
One credit card

That's it for my financial complications :wink:

Cheers,
Fred

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InvestorNewb
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Re: How many funds do you have in your portfolio?

Post by InvestorNewb » Sun Nov 10, 2013 11:06 pm

4 total (see sig). All separated for tax efficiency.
My Portfolio: VTI [US], VXUS [Int'l], VNQ [REIT], VCN [Canada] (largest to smallest)

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bottomfisher
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Re: How many funds do you have in your portfolio?

Post by bottomfisher » Sun Nov 10, 2013 11:22 pm

457b - BlackRock EAFE Index
Roth IRA - Vg Emerging Mkts Index
SIMPLE IRA - Vg Total Stock Mkt Index, Vg Total Intl Stock Mkt, Vg Global REIT Index

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Aptenodytes
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Re: How many funds do you have in your portfolio?

Post by Aptenodytes » Sun Nov 10, 2013 11:39 pm

8 asset categories
13 accounts
21 funds

Texas hold em71
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Re: How many funds do you have in your portfolio?

Post by Texas hold em71 » Mon Nov 11, 2013 12:02 am

Between my spouse and me:

Taxable 2 institutions 6 funds two categories (2 accounts)
Roths 3 institutions 3 funds one category (4 accounts)
401(k)s 2 institutions 7 funds four categories
529s 1 institution 1 fund (2 accounts)
2 savings accounts (technically 5 but three of them have 5.00 in them)
6 CDs
2 checking accounts
2 HSAs

We are technically three fund folk but one 401(k) does not have a total stock option and we have to own an S&P 500 fund and a mid-cap fund that mimic one.

I will combine the Roths at some point which will reduce 2 accounts.

MnD
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Re: How many funds do you have in your portfolio?

Post by MnD » Mon Nov 11, 2013 12:21 am

18 funds and two individual stocks.
70/30 AA, Global market cap equities, TSP G and DODLX FI. Rebalance to AA if FI <25% or >35%. Weighted ER<= 0.10%. 5% of annual portfolio balance SWR, Proportional (to AA) withdrawals.

jeff1949
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Re: How many funds do you have in your portfolio?

Post by jeff1949 » Mon Nov 11, 2013 12:57 am

Five Vanguard Index Funds + I-Bonds:

Emerging Markets Index
Developed Markets Index
Total Stock Market Index
REIT Index
SCV Index

I-Bonds

pascalwager
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Re: How many funds do you have in your portfolio?

Post by pascalwager » Mon Nov 11, 2013 1:06 am

Fourteen funds over five accounts.

VG TSM
VG TISM
DFA LV
DFA SV/MV
DFA Microcap
DFA ILV
DFA ISC
DFA EM

travellight
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Re: How many funds do you have in your portfolio?

Post by travellight » Mon Nov 11, 2013 1:35 am

6 funds:
Vg total stock market, VITNX 25% (30% of future allocations)
Vg total bond market,VBMPX 13% (zero future allocations)
Vg international market, VWILX 18% (20% of future allocations)
Vg Primecap, VPMAX 1.6% (15% of future allocations)
wellington, VWENX 30% (30% of future allocations)
wellesley 11% (zero future allocations)
364

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empb
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Re: How many funds do you have in your portfolio?

Post by empb » Mon Nov 11, 2013 4:03 am

Three accounts: Roth, Traditional, Taxable
Four asset classes: US Small Value, EAFE Small Value, EM Small Value, Short-term Treasuries
Four funds/TLH partners: VBR/IJS, DLS/GWX, DGS/EWX, SHY

I have a desired stock/bond allocation, a desired geographical allocation and a mandate to be as 'small and valuey' as possible within those constraints. I could care less what/how many funds or accounts there is behind the scenes to get me there. Excel considers every fund and then gives me the big picture. Pic here: http://imgur.com/HaBiqM1

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SpringMan
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Re: How many funds do you have in your portfolio?

Post by SpringMan » Mon Nov 11, 2013 4:53 am

How does one count fund of funds? Does Vanguard Star count as 13, and Target Retirement Income count as 5? We have 8 accounts, total of 18 funds. That sounds like too many but it is just slightly over two funds per account. One of those accounts has Target Retirement Income fund and I am counting it as just one fund.
Best Wishes, SpringMan

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Re: How many funds do you have in your portfolio?

Post by gkaplan » Mon Nov 11, 2013 7:51 am

Vanguard Value Index Fund Admiral Shares – Roth IRA
Vanguard Small-Cap Value Index Fund Admiral Shares – Roth IRA
Vanguard European Stock Index Fund Admiral Shares – Roth IRA
Vanguard Pacific Stock Index Fund Admiral Shares – Roth IRA
Vanguard FTSE All-World ex-US Small-Cap Index Fund – Roth IRA
Vanguard Emerging Markets Stock Index Fund Admiral Shares – Roth IRA
Vanguard Inflation-Protected Securities Fund Admiral Shares – Roth IRA
Thrift Savings Plan "G" Fund

I shall be retiring at the end of this leave year (01/11/2014). Shortly thereafter, I shall be transferring my TSP to Vanguard. At that time, my portfolio will look as follows:

Vanguard Value Index Fund Admiral Shares – Roth IRA
Vanguard Small-Cap Value Index Fund Admiral Shares – Roth IRA
Vanguard European Stock Index Fund Admiral Shares – Roth IRA
Vanguard Pacific Stock Index Fund Admiral Shares – Roth IRA
Vanguard FTSE All-World ex-US Small-Cap Index Fund – Roth IRA
Vanguard Emerging Markets Stock Index Fund Admiral Shares – Roth IRA
Vanguard Inflation-Protected Securities Fund Admiral Shares – Roth IRA
Vanguard Short-Term Investment Grade Fund Admiral Shares – TIRA
Vanguard Intermediate-Term Treasury Fund Admiral Shares – TIRA
Vanguard Inflation-Protected Securities Fund Admiral Shares – TIRA
Thrift Savings Plan "G" Fund
Gordon

IlliniDave
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Re: How many funds do you have in your portfolio?

Post by IlliniDave » Mon Nov 11, 2013 7:57 am

Too many! Having a employer 401 plan dictates fund choices (they're good funds, but very basic in breadth) and venturing into taxable and backdoor Roth at Vanguard has led to a bit of a proliferation for me. The total is 15, although they fall into only 9 "classes".
Don't do something. Just stand there!

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Re: How many funds do you have in your portfolio?

Post by Johm221122 » Mon Nov 11, 2013 9:20 am

I changed earlier this year(according to ips)
34% 500 index (taxable,401)
10% international (Roth IRA)
8% small international(IRA)
18% extended market (Roth IRA)
25% stable value (401)and savings bonds
5% income fund (Roth IRA )
John

LittleD
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Re: How many funds do you have in your portfolio?

Post by LittleD » Mon Nov 11, 2013 9:25 am

Following the TREV H Ultimate Buy & Hold Portfolio with the introduction of the Schwab Fundamental ETF indexes...

12.5% FNDA Small Cap with Value Tilt
12.5% FNDB Total Market with Value Tilt
12.5% FNDC International Small with Value Tilt
12.5% FNDF International Large with Value Tilt
25% SCHO Schwab Short Treasury
25% SCHR Schwab Intermediate Treasury

Only missing Emerging Markets which has done bubcus for the last two years...

cheesepep
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Re: How many funds do you have in your portfolio?

Post by cheesepep » Mon Nov 11, 2013 9:29 am

20 individual dividend growth stocks in my main portfolio

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Jake46
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Re: How many funds do you have in your portfolio?

Post by Jake46 » Mon Nov 11, 2013 9:46 am

60& bonds/40% equity (60% US/40% international)

7 funds in 3 accounts
Taxable
My IRA
Spouse's Roth IRA

niceguy7376
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Re: How many funds do you have in your portfolio?

Post by niceguy7376 » Mon Nov 11, 2013 9:48 am

empb wrote: Excel considers every fund and then gives me the big picture. Pic here: http://imgur.com/HaBiqM1
Would love to get a template of that excel sheet for knowledge gaining and adapting to my needs.

RNJ
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Re: How many funds do you have in your portfolio?

Post by RNJ » Mon Nov 11, 2013 10:37 am

* 2 institutions (VG & Fido)

* 11 accounts (varying his / her retirement accounts and VG's screwy but soon to be fixed practice of splitting brokerage and MF accounts)

* 8 asset classes (5 stock, 3 bond)

* 14 funds/ETFs

Yikes.

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dmcmahon
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Re: How many funds do you have in your portfolio?

Post by dmcmahon » Mon Nov 11, 2013 10:56 am

I have 2 funds for equities plus a grab-bag of individual bonds, CDs, and cash. I have one other fund as a kicker. I've used VTI and VXUS as the two funds, totaling 50% of the portfolio. The kicker is VB - I began buying that when TIPS yields turned negative. I will at some point sell out of it and use the proceeds to buy more TIPS (in my tax-deferred account). I'm using it as a "barbell" strategy within the tax-deferred account until it again becomes attractive to add TIPS there. On the bond side I prefer to own individual bonds, CDs, and cash. I have an allocation to "hard assets" that I've not filled - there's room for one more fund there. The ideal hard asset would be income property, but I don't have the stomach to manage such a thing myself. (REITs have too many equity-like characteristics, most especially risks in how they're leveraged, as well as management risks.)

assumer
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Re: How many funds do you have in your portfolio?

Post by assumer » Mon Nov 11, 2013 11:02 am

See the poll from a few months ago:

http://www.bogleheads.org/forum/viewtop ... 0&t=115706

bamajames
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Re: How many funds do you have in your portfolio?

Post by bamajames » Mon Nov 11, 2013 11:22 am

Vanguard: vym high div.
vig div. appreciation
voo s&p 500
veu international
stocks are 40%
biv intermediate bond
vcsh short term corp.
bonds 25%
cd 18%
money mkt. 17%

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iceport
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Re: How many funds do you have in your portfolio?

Post by iceport » Mon Nov 11, 2013 11:49 am

abuss368 wrote:I am curious of Bogleheads in terms of how many funds do you typically have in your portfolio. I am guessing that for the most part there are two camps - the total market / 3 fund folks and then the slice and dice side of things.

I would be interested to see the number of funds and the names and allocation.

For example we are "age in bonds less 10". We use 5 funds. Diversified, low costs, and stay the course is the philosophy. Stocks, Bonds, Real Estate, and cash is the strategy.

Total Stock Market
Total International Market
US REIT Index
International REIT Index
Total Bond Market

Really mixed feelings on Inflation bonds / TIPS.

We have found that 5 funds is plenty to manage, rebalance, and allocate to. Most Bogleheads like to keep a simple investment approach.

Thank you in advance for any feedback and insight.
That looks like a fine portfolio, abuss368. I'll share my AA, though I don't claim it would be appropriate for others. I think it falls in between the two camps you described: not purely total market, and not a slice-and-dice either. The simple way to show it is like this, 10 positions:

• 33% Vanguard Total Stock Market Index
• 5% Vanguard Small Cap Index (for minor SC tilt)

• 5% Vanguard REIT Index (not enough REIT in TSM for meaningful allocation)
• 5% Vanguard Global ex-US Real Estate (adds much diversification to the formerly 10% US REIT allocation)

• 10% TIAA-CREF Int'l Equity Index (an EAFE index -- developed large cap -- it's what's available in my 457b plan)
• 6% Vanguard Emerging Markets Stock Index (separate EM allocation complements the EAFE index above, and allows for a minor EM tilt)
• 6% Vanguard FTSE all-World ex-US Small Cap Index (provides small cap exposure that doesn't exist in the above int'l. indexes, adds another minor boost to EM tilt)

• 10% Vanguard Total Bond Market Index
• 10% Vanguard Inflation-protected Securities
• 10% CT Stable Value Fund (3% min. yield)

In truth, I'm on a defined glide-path transition to holding 20% in "riskless" (cash-like) assets, and the other 80% allocated in the 70/30 portfolio shown above. That will produce a final, permanent AA of 56 equity/44% fixed income approaching and into retirement. I'm targeting ~60/40 right now. Currently, I'm treating the Stable Value Fund as "riskless," so there's an "extra" 15% in that. That has resulted in a true TIPS target of ~21% of fixed income, 8.5% overall.

Also, in full disclosure, I've been considering some very minor nudges towards more SC and EM. I used to have an incidental value tilt -- incidental to the REIT allocation. Now that REITs are mostly large growth, that unintended value tilt has evaporated (and it probably didn't exist before, anyway).

--Pete
"Discipline matters more than allocation.” ─William Bernstein

Mike Scott
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Re: How many funds do you have in your portfolio?

Post by Mike Scott » Mon Nov 11, 2013 11:56 am

3; but not strictly the bogelhead trinity

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englishgirl
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Re: How many funds do you have in your portfolio?

Post by englishgirl » Mon Nov 11, 2013 12:03 pm

Currently I have:

25% Virgin UK FTSE all share index fund
5% Vanguard Total International Stock Index fund
10% Vanguard TIPs fund
60% Vanguard Balanced Index (60:40 TSM:TBM)

This is not my ideal allocation, for several reasons:

1. Overweight in UK stocks relative to the rest of international. This is due to an old fund in a UK 401k-type vehicle that is proving very difficult to move.
2. Underweight in bonds. I'd prefer 40% bonds, but I have 34% right now.
3. Overweight in US stocks relative to international. I'm at 36% US and 30% international. I prefer to be 50:50 US and international.
4. Balanced Index is the only fund worth having in my 401k. Once I leave this employer and roll to a solo 401k or an IRA, things will be different.
5. Relative size of my Roth IRA to the other accounts. The Total International and TIPs fund are in my Roth, so the combined total of those funds is limited to 15% right now.
Sarah

aquifer
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Re: How many funds do you have in your portfolio?

Post by aquifer » Mon Nov 11, 2013 12:38 pm

One fund in my 401k, Vanguard's Target Retirement 2035. I have four ETF's in my Roth, which mirror the TR fund's allocation. So, technically, five funds.

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Index Fan
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Re: How many funds do you have in your portfolio?

Post by Index Fan » Mon Nov 11, 2013 2:13 pm

13 (6 fixed income, 5 equity, 2 fund of funds):

3 in taxable
4 in Roth IRA
1 Traditional IRA
1 Inherited IRA

4 in Deferred Compensation Program

all are in Vanguard save a Stable Value Fund, all others are indexes except the Vanguard TIPS Fund.

If it weren't for the various accounts (IRAs, taxable, deferred comp) I'd probably have half the number of funds that I do.
"Optimum est pati quod emendare non possis." | -Seneca

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midareff
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Re: How many funds do you have in your portfolio?

Post by midareff » Mon Nov 11, 2013 2:29 pm

Four accounts: Roth, Traditional and Taxable @ both VG & Fido.
I have a desired stock/bond allocation and I could care less what/how many funds or accounts there are behind the scenes to get me there. A M* download of last markets prices and Excel considers every fund and then gives me the picture by class, by category, by percentage, by valuation % and $, dynamic or static, in two clicks.

After building the first spreadsheet I can track 60 funds as easily as three.

Tom_T
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Re: How many funds do you have in your portfolio?

Post by Tom_T » Mon Nov 11, 2013 2:34 pm

I'd say that it's a myth that Bogleheads like to keep things simple. I think the Boglehead credo is more about low-cost passive funds, not slicing-and-dicing.

Besides, "simple" is subjective.

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House Blend
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Re: How many funds do you have in your portfolio?

Post by House Blend » Mon Nov 11, 2013 2:50 pm

This question comes up about every 6 months.

If I could consolidate everything into one tax-advantaged account, I would have 8 funds:

Total Stock
Total International
Small Blend
Small Value
TIAA Real Estate
Bonds (nominal)
TIPS
TIAA Traditional

Reality is a bit more complicated, with 8 accounts, 7 of which are receiving new contributions at least once per year.

If I had to simplify further, Small Blend and Value would be the first to go. They are there purely for experimental purposes; the allocation is too small to have a major effect.

Some cash reserves are in short term munis--didn't count that as I don't consider it to be part of the investment portfolio.

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Garco
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Re: How many funds do you have in your portfolio?

Post by Garco » Mon Nov 11, 2013 3:05 pm

In my main 401k account where I have >90% of my retirement investment.

8 funds in all. Broad allocation: 50% stocks, of which 65% is in large cap (U.S. and international).

1 large value
1 large growth
1 international large growth
1 mid-small index (VEMSX -- extended market)

1 real estate (TIAA Real Estate Acct.)
2 multi-asset bond funds
1 stable value fund (TIAA Traditional)

I have additional funds in my supplemental and 457b accounts, based on options available in these accounts. Some overlap with the investments I have in my main retirement account.

normsie
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Re: How many funds do you have in your portfolio?

Post by normsie » Mon Nov 11, 2013 3:33 pm

allocation:

50% equities
50% bonds

total stock mkt
total int'l stock mkt
reit index
total bond mkt
total int'l bond market
retirement 2010 in the roth acct.
tips
Last edited by normsie on Mon Nov 11, 2013 7:34 pm, edited 1 time in total.

Bracket
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Re: How many funds do you have in your portfolio?

Post by Bracket » Mon Nov 11, 2013 4:26 pm

I hold 9 asset classes using maybe 15 different funds across multiple accounts at various institutions.

Having an old 401k, an old TSP, a new 401k with only one index fund, and not wanting to roll over anything so as to preserve tax free backdoor Roth conversions means I can't always do things in the simplest way possible.

Sometimes I think it would be very nice to have a 3 fund portfolio all at Vanguard but for now it is not to be.

Red-y
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Re: How many funds do you have in your portfolio?

Post by Red-y » Mon Nov 11, 2013 4:48 pm

Target allocation: 40% equities / 40% bonds / 10% REIT / 10% cash
2 accounts: traditional IRA + Roth IRA; 11 holdings total

Vanguard Total Stock Mkt
Vanguard Total International Stock Mkt
Vanguard Sm Cap Value
Vanguard FTSE All-world ex-US Sm Cap
Vanguard High Yield Bond

Vanguard ST Corp Bond
iShares iBoxx Invest Grade Corp Bond
Vanguard ST TIPs
Vanguard International Bond

Vanguard US REIT
Vanguard International REIT

All ETFs except for the High Yield Bond fund. I count 100% of the High Yield Bond fund in the equity allocation. International stocks (VXUS, VSS) in the Roth IRA, everything else in the tIRA.

dharrythomas
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Re: How many funds do you have in your portfolio?

Post by dharrythomas » Mon Nov 11, 2013 5:19 pm

7 Accounts
Number of funds depending on how you count.

His IRA (1) - Target Retirement 2030
Her IRA (2) - Target Retirement 2020, Target Retirement Income
Civilian TSP (1) - LifeCycle 2030 (contributions Roth, match traditional)
Military Reserve TSP (1) - LifeCycle 2030 ( contributions Roth, no match)

Taxable Joint (1) - Total World Stock Index

Her Roth (1) - Wellington Admiral

His Roth (7) - LifeStrategy Moderate Growth, Precious Metals and Mining, REIT Index Admiral, Global Real Estate ex-US Admiral, Value Index Admiral, Mid-Cap Value Index Admiral, Small-Cap Value Index Admiral

Harry

Bungo
Posts: 912
Joined: Wed Sep 28, 2011 11:28 am

Re: How many funds do you have in your portfolio?

Post by Bungo » Mon Nov 11, 2013 5:35 pm

5 asset classes:

Total US stock market
Developed foreign markets
Emerging foreign markets
Total bond market
TIPS

These are distributed across 8 funds due to non-optimal 401(k) options.

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midareff
Posts: 6464
Joined: Mon Nov 29, 2010 10:43 am
Location: Biscayne Bay, South Florida

Re: How many funds do you have in your portfolio?

Post by midareff » Mon Nov 11, 2013 5:36 pm

My target is 48/48/4 equities, bonds, bank cash. That is my target because I can't find a compelling argument to change it. With the recent run-up it has drifted a bit despite relatively recent rebalancing. It is now 52/44/4 and a few of the internal components are at/over or near their dynamic rebalance points again. If age in bonds is your thing, I am currently age -21. I will look at the situation again near Thanksgiving to see if equity harvesting to buy bonds is again on the table for taxable.

Taxable
Total Stock Market
Small Value
Total International
Small International
IT Tax-Ex
Limited Term Tax-Ex

TIRA
REIT
VG Health
GNMA
IT IG
HY

Roth @ FIDO (Play money acct)
Spartan Extended Market
Select Pharmaceutical

FWIW I also track the standard three, four and five fund portfolio as comparators in M*

YTD for the 3 fund (25% TSM, 25% TISM, 50% Total Bond) - 10.9%, 5 year 10.49%
YTD for the 4 fund - same, reduce Total Bond to 25% and add 25% TIPS - 9.51%, 5 year 10.78%
YTD for the 5 fund - reduce bonds and equities 5% each and add 10% REIT - 7.99%, 5 year 11.01%

For those of you who wonder how I could get 5 year results with Total International .. I didn't. The results uniformly do not include Total International (after YTD) so whatever its performance was or would have been the results may have changed in percentages, but not in the picture of the overall results from diversification.

What is apparent is that diversification does pay. The extent, and how well it meshes with your level of patience and skills/ability to "keep track" of things, is going to be unique from individual to individual. I felt (for me) spending some time developing and programming Excel spread sheets that give me the data I want with one export and one or two clicks to "update", was well worth the time invested. .. for others, just sane investing is difficult enough and that's just fine. There is more than one road to Dublin (Thank You Taylor) and while one size does fit all, it fits none correctly or comfortably. Don't chase returns, live within your means and save all you can. Remember your written IP and don't get "cute". Invest sanely, and follow your IP.
Last edited by midareff on Mon Nov 11, 2013 6:02 pm, edited 2 times in total.

Achelois
Posts: 122
Joined: Sun Jul 10, 2011 12:50 pm

Re: How many funds do you have in your portfolio?

Post by Achelois » Mon Nov 11, 2013 5:40 pm

Total stock market
Total international stock market
Total bond market
Some ibonds

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bengal22
Posts: 1852
Joined: Sat Dec 03, 2011 6:20 pm
Location: Ohio

Re: How many funds do you have in your portfolio?

Post by bengal22 » Mon Nov 11, 2013 5:58 pm

16 - although some are copycat funds because I have funds in both Fidelity and Vanguard. Some I retained because they are funds I have had for a while in taxable accounts.
"Earn All You Can; Give All You Can; Save All You Can." .... John Wesley

Silence Dogood
Posts: 1167
Joined: Tue Feb 01, 2011 9:22 pm

Re: How many funds do you have in your portfolio?

Post by Silence Dogood » Mon Nov 11, 2013 6:01 pm

One fund:

Vanguard Target Retirement 2055 (VFFVX)

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Toons
Posts: 13410
Joined: Fri Nov 21, 2008 10:20 am
Location: Hills of Tennessee

Re: How many funds do you have in your portfolio?

Post by Toons » Mon Nov 11, 2013 6:05 pm

Quite a few :happy
"One does not accumulate but eliminate. It is not daily increase but daily decrease. The height of cultivation always runs to simplicity" –Bruce Lee

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