Looks like C, S, I and F. That'll work.
Here's my non-retirement portfolio, what do you think?
Vanguard Large Cap 750 Index Fund (VLACX)
Vanguard Extended Market Index Fund (VEXMX)
Vanguard Total International Index Fund (VGTSX)
Vanguard Total Bond Market Index Fund (VBMFX)
Looks like C, S, I and F. That'll work.
Tom
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I am not a Registered Investment Advisor and this is not investment advice. Please do your own due diligence.
Why did you go with VLACX and VEXMX instead of VTSMX? Your VLACX/VEXMX allocation looks a lot like the total domestic stock market.
Are you considering allocations to the TSP funds as part of an overall portfolio allocation?
Finally, what percentage allocation are you applying to each fund?
Welcome to TSPTalk!:toung:
I want the flexibility to place more or less money into on capitalization sector than the other. There are times when I choose to overweigh one sector over the other and if I bought VTSMX I would not have that ability.
Why did you go with VLACX and VEXMX instead of VTSMX?
Over all yes, however I plan on tapping into my non-retirement money 10 years earlier than my IRA and TSP.Are you considering allocations to the TSP funds as part of an overall portfolio allocation?
As of today I am:Finally, what percentage allocation are you applying to each fund?
VLACX - 45%
VEXMX - 25%
VGTSX - 21%
VBMFX - 9%
Uknowwho,
One other question. The Fama/French research indicates small/value beats large growth, large value, and small growth. http://www.moneychimp.com/articles/i...nds/why_sv.htm
Do you plan at any point to "slice and dice" for value and, particularly, small value?
Otherwise, you current equities allocation looks fine. Total domestic market overweighting small. Total world market slightly under weighting foreign.
Finally, here's an allocation discussion that you might find interesting.
http://www.diehards.org/forum/viewtopic.php?t=2239
I'm open to the idea of adding small value such as (VISVX), however I'm concerned about severe overlap.
Before I rebalanced back in late January I also held NAESX. It was my top performer so I took the gains and reallocated the money into the current funds I listed in a previous post.
Last edited by uknowwho; 05-03-2007 at 05:07 PM. Reason: added the other "l" to allocation.
Dump the bond fund - interest rates are going to be coming down. Why bother with it - stay with appreciation and positive outlook. Bonds are strictly for negative psychology.
I concur about not holding the Total Bond Market Index fund in your taxable account. Its not tax efficient, and neither is the Extended Market Index fund (VEXMX). That may not be something you are considering.
Vanguard now assesses a new $20 yearly fee on each fund with a balance below $10,000. The more funds you have with a balance below $10,000, the more you pay in fees. The new $20 yearly fee (started April 26th) replaces all other previous account fees. You can avoid this fee if you register your account at Vanguard.com and elect to go all paperless/electronic, or if you have more than $100,000 under Vanguard management. This allows Vanguard to save mailing costs. Account costs matter in the long run. Vanguard Fees Explained
EW and Birchtree how would you recommend I get some bond exposer?
As for the fees, they are not a factor to me because I meet the criteria to avoid them.
Bonds give me the willies - so I never go near them. My personal bias.
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