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Thanks @AndyJ and @mrdarcey.
Yes. This is a follow up to the allocation model that was discussed a few weeks ago by @cman and others. I was looking at around 30% international with about 10% emerging market.
I did take a look at IEFA and IXUS in t…
Reply to @cman: Just to clarify a point, in case that is relevant to the discussions here, the $85k is the cash I have to invest now. I have a bunch of mainly active funds some of which I listed on my initial thread (for which a few folks have sugg…
Reply to @bee: I'm sure folks here have seen this, but wealthfront's methodology is given here. It was interesting to read this to see how they came up with those numbers based on the question they asked up front.
Reply to @mrdarcey: Just wanted to say thanks for taking the time to bring up these points. Although I'm so inexperienced to make an educated decision based on your recommendations, but will listen to other more experienced folks on this forum.
Reply to @MikeM: This what the wealthfront model suggested based on the criteria I selected. I read their white paper to understand some of the science behind their model. Some of it I understand and makes sense :)
Reply to @Crash: Yeah, I think when users including myself, reply to earlier comments, they show up just below the referenced comment. Usually in most forums that I have used, new comments/replies show up at the very bottom, so don't have to go thro…
Reply to @MJG: Read the Vanguard whitepaper you had linked. But if I read it correctly, I don't understand their "random" selection of actively managed funds from the pool based on the same sector/style (and in some cases expense ratio) for their te…
Reply to @David_Snowball: You mentioned a few key things to look for. Some of them I'm familiar with and know where to look for to get those info. But could you please tell me a little more on what you meant when you mentioned ...." are small enoug…
Reply to @jerry: Thanks for the response. From the white paper about index heavy investing that @MJG linked above, they seem to say the same about multiple funds in the same sector. But my thought was that you are spreading your eggs to different ba…
Reply to @hank: I'm no way an experienced investor. So you read that correctly. I have a lump sum to invest right now, but will be doing dca going forward.
@cman Thanks for the write up. A couple of questions -
1) For M* X-ray, should I stick with just the Vanguard funds listed above? My accounts are with Schwab (75%) and Fidelity (25%) where these funds would get hit with their transaction fee. Initi…
Reply to @cman: Sorry for the late response with this. Here's what wealthfront recommendeds.
US Stocks Vanguard VTI ETF 21%
Foreign Stocks Vanguard VEA ETF 18%
Emerging Markets Vanguard VWO ETF 22%
Dividend Stocks Vanguard VIG ETF 13%
Real Esta…
Reply to @Ted: Thanks for the link. Had the same thought - should I go all in now with the sum I have or do DCA with that - esp with the markets acting up the last two days? I also have monthly IRA money coming in as well which I will do DCA with.
Reply to @MJG: Thanks for the post and the links. Will definitely give a read! As they say life is too short to learn everything from experience...so better learn from others experience...
From a quick look at the lazy portfolios..they all are Vang…
Lots of good advice. Thanks everyone for your time and thoughts.
Honestly, I don't see myself spending a whole lot of time actively managing my portfolio. Ideally re-balancing/reallocating 2-3 times a year is what I am looking for. So my thought wa…
Thanks everyone for their time...I might sell some of the large/mid-caps as suggested above and reinvest into the same sector. But for international I was looking at - ARTGX (30%), PID(20%), FMIJX(20%), SGOVX(15%), MACSX(15%)? Again back to my origi…
Reply to @cman: I'll take a look at wealthfront - but based on some reading, I was working towards the following portfolio - 45% large-cap, 15 % international, 10% mid-cap, 15% small-cap, 15% bond
Reply to @scott: Thanks for the response. I'm looking at international & small-caps now to diversify. Just curious about the Baron growth fund (and not to question your expertise) - that's one of those funds that has done quite well for me I bel…
Reply to @catch22:
Thanks for your response. Yes, these funds are in tax sheltered accounts and the new money also going into tax sheltered account. Yes, planning to do dollar cost averaging over the next few months as well.
Thanks for the responses and the tips. Truly appreciate it.
I'm 40 with a 10yr old and a baby on the way. Looking for long term investment with reasonable risk tolerance. I have a bunch of funds - 80% domestic (70% large cap + 10% mid%), 20% bond …
