Reply
Results 1 to 16 of 16
  1. #1
    Registered Alpha mgftp's Avatar
    Join Date: Aug 2008
    Location: United States
    Posts: 36,446
    Rep Power: 645147
    mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000)
    mgftp is offline

    Your 3 fund allocation?

    I see such wide variance on percentages of what to hold between domestic, international, and bonds. So I figured, why not ask the misc.
    Reply With Quote

  2. #2
    Registered User Cartiac's Avatar
    Join Date: Nov 2013
    Posts: 407
    Rep Power: 3072
    Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500)
    Cartiac is offline
    Yea even among bogleheads there is no consensus in this area. I heavily favor the domestic market going 80% domestic (split 70/30 between large cap S&P 500 and small cap Russel 2000) and then throw a token 10% into international emerging markets and 10% into bonds. My thinking is US companies drive the world's economy and already have plenty of international exposure built in and if US companies are failing the overall international market most like already has unless there is some kind of major shift which that should spike in the emerging markets sector. Bonds are just boring without much upside but I guess you're supposed to put something there.
    Reply With Quote

  3. #3
    Registered Alpha mgftp's Avatar
    Join Date: Aug 2008
    Location: United States
    Posts: 36,446
    Rep Power: 645147
    mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000) mgftp has a reputation beyond repute. Second best rank possible! (+100000)
    mgftp is offline
    Originally Posted by Cartiac View Post
    Yea even among bogleheads there is no consensus in this area. I heavily favor the domestic market going 80% domestic (split 70/30 between large cap S&P 500 and small cap Russel 2000) and then throw a token 10% into international emerging markets and 10% into bonds. My thinking is US companies drive the world's economy and already have plenty of international exposure built in and if US companies are failing the overall international market most like already has unless there is some kind of major shift which that should spike in the emerging markets sector. Bonds are just boring without much upside but I guess you're supposed to put something there.
    How old are you?

    Any thoughts that the US market is due for a down after running so hot recently? If so, do you view international going down with US or perhaps fairing better?
    Reply With Quote

  4. #4
    Registered User tunafish01's Avatar
    Join Date: Jul 2017
    Age: 49
    Posts: 1,328
    Rep Power: 1525
    tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000)
    tunafish01 is offline
    I’m 29 and for my taxable I’m 100% equities with a split of 90% US and 10% international. When I’m 40 I’ll start adding bonds

    My Roth IRA however is 90% equities 10% bonds. Simple target retirement fund.
    Trump is goat crew
    MAGA
    Trump 2020 Crew.
    Reply With Quote

  5. #5
    🅳🅰🆂 🅸🆃 Luc1fer's Avatar
    Join Date: Jun 2014
    Posts: 24,538
    Rep Power: 328251
    Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000)
    Luc1fer is offline
    80/20 overall, with ~20% of equities in INTL.

    Roth = 100/0.
    401k/tIRA = 90/10 (target retirement funds).
    Taxable = 75/25 (muni bonds)

    The main reason I skew this way (contrary to popular belief that bonds should live in tax-deferred), is that if I retire early (~10-15 years) I'll be distributing from my taxable, while tax-deferred has longer to recover. I also may dip into my taxable sooner for property etc. and bonds will have lower CG.
    𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍
    Reply With Quote

  6. #6
    Has been 'there'... Grinners's Avatar
    Join Date: Apr 2007
    Posts: 6,612
    Rep Power: 3629
    Grinners is a glorious beacon of knowledge. (+2500) Grinners is a glorious beacon of knowledge. (+2500) Grinners is a glorious beacon of knowledge. (+2500) Grinners is a glorious beacon of knowledge. (+2500) Grinners is a glorious beacon of knowledge. (+2500) Grinners is a glorious beacon of knowledge. (+2500) Grinners is a glorious beacon of knowledge. (+2500) Grinners is a glorious beacon of knowledge. (+2500) Grinners is a glorious beacon of knowledge. (+2500) Grinners is a glorious beacon of knowledge. (+2500) Grinners is a glorious beacon of knowledge. (+2500)
    Grinners is online now
    42.5% Domestic
    42.5% International
    15% Monetary assets
    "Testosterone levels peak during a man's late 20's but decline soon after, decreasing about 1.5 percent per year after age 30. "

    "Believe nothing, no matter where you read it, or who said it, no matter if I have said it, unless it agrees with your own reason and your own common sense." - Buddha

    !!!+052 kcab per lliW
    Reply With Quote

  7. #7
    Banned SlothLord's Avatar
    Join Date: Oct 2016
    Posts: 3,893
    Rep Power: 0
    SlothLord is a splendid one to behold. (+10000) SlothLord is a splendid one to behold. (+10000) SlothLord is a splendid one to behold. (+10000) SlothLord is a splendid one to behold. (+10000) SlothLord is a splendid one to behold. (+10000) SlothLord is a splendid one to behold. (+10000) SlothLord is a splendid one to behold. (+10000) SlothLord is a splendid one to behold. (+10000) SlothLord is a splendid one to behold. (+10000) SlothLord is a splendid one to behold. (+10000) SlothLord is a splendid one to behold. (+10000)
    SlothLord is offline
    Reply With Quote

  8. #8
    🅳🅰🆂 🅸🆃 Luc1fer's Avatar
    Join Date: Jun 2014
    Posts: 24,538
    Rep Power: 328251
    Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000)
    Luc1fer is offline
    𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍
    Reply With Quote

  9. #9
    6’5” 256# headturner1's Avatar
    Join Date: Jan 2012
    Location: Washington, United States
    Posts: 9,694
    Rep Power: 44213
    headturner1 has much to be proud of. One of the best! (+20000) headturner1 has much to be proud of. One of the best! (+20000) headturner1 has much to be proud of. One of the best! (+20000) headturner1 has much to be proud of. One of the best! (+20000) headturner1 has much to be proud of. One of the best! (+20000) headturner1 has much to be proud of. One of the best! (+20000) headturner1 has much to be proud of. One of the best! (+20000) headturner1 has much to be proud of. One of the best! (+20000) headturner1 has much to be proud of. One of the best! (+20000) headturner1 has much to be proud of. One of the best! (+20000) headturner1 has much to be proud of. One of the best! (+20000)
    headturner1 is offline
    Mostly spy, little bit of tlt/gld just for the hell of it
    Reply With Quote

  10. #10
    Registered User Cartiac's Avatar
    Join Date: Nov 2013
    Posts: 407
    Rep Power: 3072
    Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500) Cartiac is a glorious beacon of knowledge. (+2500)
    Cartiac is offline
    Originally Posted by mgftp View Post
    How old are you?

    Any thoughts that the US market is due for a down after running so hot recently? If so, do you view international going down with US or perhaps fairing better?
    I'm 35. There isn't a time limit on a positive economy and we have seen much longer periods of economic growth than we have currently, so no I don't think we are due for a downturn. The current economic strength is based on strong fundamentals and a president putting in an unprecedented level of effort into fixing the trend of economic policies that have eroded it's potential.

    A lot of foreign economies are already in pretty dire situations with US doing much better. If the US economy were to take a downturn I don't see the foreign markets benefiting, especially considering Trump's commitment to end the lopsided deals that have so heavily favored them. There is a lot of international exposure built into US corporations that the rest of the world depends on. Even if you go back to the Great Depression when the US economy collapsed a lot of other countries followed.
    Reply With Quote

  11. #11
    Registered User DavidL913's Avatar
    Join Date: Nov 2006
    Age: 32
    Posts: 2,733
    Rep Power: 5465
    DavidL913 is a name known to all. (+5000) DavidL913 is a name known to all. (+5000) DavidL913 is a name known to all. (+5000) DavidL913 is a name known to all. (+5000) DavidL913 is a name known to all. (+5000) DavidL913 is a name known to all. (+5000) DavidL913 is a name known to all. (+5000) DavidL913 is a name known to all. (+5000) DavidL913 is a name known to all. (+5000) DavidL913 is a name known to all. (+5000) DavidL913 is a name known to all. (+5000)
    DavidL913 is offline
    REITS, Gold ETF , S&P
    ***Los Angeles MISC Crew***

    ***Misc Crypto Crew***
    Reply With Quote

  12. #12
    Registered User Mlinebacker0's Avatar
    Join Date: Aug 2011
    Age: 24
    Posts: 1,561
    Rep Power: 8223
    Mlinebacker0 is a name known to all. (+5000) Mlinebacker0 is a name known to all. (+5000) Mlinebacker0 is a name known to all. (+5000) Mlinebacker0 is a name known to all. (+5000) Mlinebacker0 is a name known to all. (+5000) Mlinebacker0 is a name known to all. (+5000) Mlinebacker0 is a name known to all. (+5000) Mlinebacker0 is a name known to all. (+5000) Mlinebacker0 is a name known to all. (+5000) Mlinebacker0 is a name known to all. (+5000) Mlinebacker0 is a name known to all. (+5000)
    Mlinebacker0 is offline
    I heard an interview recently with Meb Faber. He basically looked at portfolio returns, all the classic allocations. He maintains the best is 3000 years old - from the Bible. 1/3 stocks, 1/3 bonds, 1/3 real estate.
    325/440/545
    Clean: 285
    Pull-Up- + 135 lbs
    Vert: 32 inches

    Former CFB Player Crew
    IF Crew
    Actually enjoys lifting Crew
    Allergic to Latex Crew
    Reply With Quote

  13. #13
    Forever aBOARD guest89's Avatar
    Join Date: Sep 2003
    Location: United States
    Posts: 26,986
    Rep Power: 65366
    guest89 has much to be proud of. One of the best! (+20000) guest89 has much to be proud of. One of the best! (+20000) guest89 has much to be proud of. One of the best! (+20000) guest89 has much to be proud of. One of the best! (+20000) guest89 has much to be proud of. One of the best! (+20000) guest89 has much to be proud of. One of the best! (+20000) guest89 has much to be proud of. One of the best! (+20000) guest89 has much to be proud of. One of the best! (+20000) guest89 has much to be proud of. One of the best! (+20000) guest89 has much to be proud of. One of the best! (+20000) guest89 has much to be proud of. One of the best! (+20000)
    guest89 is offline
    I'm 90% in a Vanguard S&P 500 mutual fund. I've been considering switching it to 50% S&P 500 ETF and 50% in some other, higher risk Vanguard ETF fund though since I'm still young. Warren Buffet recently said when he dies 90% of his wife's money is going in a S&P 500 Index and 10% in short term US Bonds.




    I just started browsing around at other Vanguard funds that might perform a bit better then SP500 but haven't decided on anything yet.



    ^ When I get a bit older I plan on 45% S&P 500, 45% REIT ETF, 10% US short term bonds. May end up being what I go with sooner rather then later.
    Last edited by guest89; 10-09-2019 at 10:32 PM.
    Reply With Quote

  14. #14
    Registered User tunafish01's Avatar
    Join Date: Jul 2017
    Age: 49
    Posts: 1,328
    Rep Power: 1525
    tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000)
    tunafish01 is offline
    Originally Posted by guest89 View Post
    I'm 90% in a Vanguard S&P 500 mutual fund. I've been considering switching it to 50% S&P 500 ETF and 50% in some other, higher risk Vanguard ETF fund though since I'm still young. Warren Buffet recently said when he dies 90% of his wife's money is going in a S&P 500 Index and 10% in short term US Bonds.




    I just started browsing around at other Vanguard funds that might perform a bit better then SP500 but haven't decided on anything yet.



    ^ When I get a bit older I plan on 45% S&P 500, 45% REIT ETF, 10% US short term bonds. May end up being what I go with sooner rather then later.
    45% reit?! Yikes
    Trump is goat crew
    MAGA
    Trump 2020 Crew.
    Reply With Quote

  15. #15
    🅳🅰🆂 🅸🆃 Luc1fer's Avatar
    Join Date: Jun 2014
    Posts: 24,538
    Rep Power: 328251
    Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000) Luc1fer has a reputation beyond repute. Second best rank possible! (+100000)
    Luc1fer is offline
    Originally Posted by tunafish01 View Post
    45% reit?! Yikes
    Ye, it's a heavy concentration but maybe he wants to take a risk on RE sector. I know I'm overweight on tech.
    𝕮𝖍𝖆𝖘𝖊 𝖆 𝖈𝖍𝖊𝖈𝕶, 𝖓𝖊𝖛𝖊𝖗 𝖈𝖍𝖆𝖘𝖊 𝖆 𝖇𝖎𝖙𝖈𝖍
    Reply With Quote

  16. #16
    Registered User tunafish01's Avatar
    Join Date: Jul 2017
    Age: 49
    Posts: 1,328
    Rep Power: 1525
    tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000) tunafish01 is just really nice. (+1000)
    tunafish01 is offline
    Bogleheads would disagree, especially as you get older
    Trump is goat crew
    MAGA
    Trump 2020 Crew.
    Reply With Quote

Posting Permissions

  • You may not post new threads
  • You may not post replies
  • You may not post attachments
  • You may not edit your posts