Have a question about your personal investments? No matter how simple or complex, you can ask it here.
4 posts • Page 1 of 1
I recently funded my Vanguard Brokerage account. This will be my taxable general investing account as my retirement is managed by TSP in the L 2045. I have about 95% going into VSMGX(LifeStrategy Moderate Growth Fund 60/40 Stocks Bonds). I am also putting roughly 5% into VNQ(Vanguard REIT) because I feel like I need some exposure to Real Estate in my portfolio. Went this route to avoid robo advisor fees. Am I on the right track here? I went 60/40 because I wasn't comfortable at 80/20.
I am for overweighing REITs, but this is a topic of debate. I would sorta of agree with the OP - real estate is not propereraly represented in the market basket and REITs are a o.k. proxy. However, I would only do it in a tax advantaged space.
I chose VSMGX to get easy asset allocation since it split out the Domestic/International stock/bond mutual funds and I dont have a large enough portfolio to invest in those funds individually. I read all the information on lazy portfolios with etfs but without access to fractional shares I am lost on how to manage them. I am really just looking for growth in a regular investing account with regular contributions