for questions that relate to asset allocation. Asset allocation is an investment strategy that attempts to balance risk versus reward by adjusting the percentage of each asset in an investment portfolio according to the investors risk tolerance...
3
votes
0answers
71 views
Couch Potato Portfolio for Europeans?
I recently came across the Couch Potato Portfolio concept and was happy to find an investment strategy that made sense to me. Its origin seems to be the Canadian version, and it has been translated ...
0
votes
2answers
56 views
Can GoogleFinance access total return data?
I'd like to be able to access historical total (market) return data with the end goal of creating a rolling return histogram of various asset allocations.
However, it looks like the GoogleFinance ...
6
votes
1answer
107 views
How much in inflation protected securities (TIPS) should I buy?
I'm wondering whether it's worthwhile to allocate some of my bond portfolio in the Vanguard TIPS fund. I plan to work until about 2040, and I prefer (efficient) risk over return. I plan to buy and ...
2
votes
1answer
72 views
What is the best resource for determing an age-based asset allocation?
I found a lot of information about how to allocate between stocks and bonds based on age, but I cannot find much about the proper allocation between domestic/international assets, large cap/small cap, ...
3
votes
1answer
76 views
Overall portfolio vs. your investment product's portfolio?
I'm just starting to invest and going with a managed account.
I'm sure any investment firm would love to manage all my available money, however I'm not ready to put all my eggs in one basket (if ...
5
votes
2answers
125 views
Asset Allocation Tools that understand Mutual Funds
I am looking for a tool that will help me understand my current asset allocation given that I invest only in mutual funds. What I want is something where I can enter my current fund share balances ...
7
votes
4answers
152 views
Is my first 401(k) fund allocation reasonable, and with respect to fees?
I just started my first job after school and am now being enrolled in my company's 401k plan, which is handled by Vanguard. By default, I was put into the Target Retirement 2050 Trust II fund, which ...
0
votes
1answer
64 views
What else besides fees should I consider in rebalancing my fund portfolio's asset allocation?
My portfolio is currently $10k invested in VWNFX. I also have a 401k (contributing about $13k/year) and an emergency fund. But for the purposes of this question I am just talking about my ...
0
votes
2answers
379 views
Is it possible to manage my multiple accounts and my wife's multiple accounts as a single portfolio with TD Ameritrade?
Is it possible to manage my multiple accounts and my wife's multiple accounts as a single portfolio with TD Ameritrade's online tools? I would like to do easy asset allocation across all those ...
7
votes
4answers
590 views
How to convince someone they're too risk averse or conservative with investments?
I have a friend who is very risk-averse, by self admission. By my standards he is too much risk averse for his own good.
He says that his personal experience over the last 15-20 years taught him that ...
7
votes
3answers
153 views
How to find a good third-party, 401k management/advice service?
I have a 401k with my employer that offers a pretty good contribution matching benefit. I am young and I've had the plan for about 5 years and my money is starting to grow into a pool that is big ...
1
vote
0answers
123 views
How to LAY/SHORT SELL multiple mutually exclusive outcomes in sequential events?
(n.b. Still not sure if this is the right place, but it was suggested by @SRKX)
How would I calculate the percentage of my wealth to invest when LAYING/SHORT SELLING multiple mutually exclusive ...
4
votes
2answers
50 views
International (ex-US) ETFs with low exposure to financial sector?
I've noticed that many international ETFs (especially emerging market funds) have a large stake in the financial sector. Are there any ETFs that de-emphasize financials?
Conversely, are there any ...
2
votes
1answer
253 views
Are there any online tools to examine asset allocation and portfolio diversification?
Are there any good online tools to examine asset allocation, portfolio diversification? I would be interested in being able to plug in numbers, run scenarios etc.
I could build a worksheet in Excel ...
9
votes
4answers
298 views
Should I include retirement funds in calculating my asset allocation?
When calculating my asset allocation for applying allocation guidelines, should I include my retirement funding or not?
You see, my investments have an asset allocation. But then, so do my ...
2
votes
1answer
92 views
What is the best way to balance my asset allocation with world allocation (aka “Go Anywhere”) mutual funds?
I purchased a couple of "world allocation" (aka "Go Anywhere") mutual funds. When I plugged one of them (FAIRX) into Morningstar and it showed up as a "large blend" fund. So I figured I could ...
7
votes
3answers
179 views
Should I fund retirement with a static asset allocation or an age based glide path?
It seems a lot of people recommend lifecycle funds. They're even an allowed default investment for 401ks now. But given how little I trust Wall Street, I'm curious if there's any quality academic ...
5
votes
1answer
52 views
Balanced medium horizon investment for today's situation?
I am looking for a balanced investment for a medium term (max 8 years).
At the beginning I looked at bonds in their different forms, but actually they offer almost the same interest rate as saving ...
7
votes
5answers
1k views
What percentage of my portfolio should be in individual stocks?
It's easy to find guidelines for how much of my non-retirement portfolio should be in stocks as an asset class (i.e. via mutual funds) but I'm having trouble finding recommendations for how much ...
5
votes
2answers
105 views
Analysis of Valuation-Informed Indexing?
My question. I've been reading about Valuation-Informed Indexing (VII). What is your reaction? Would you recommend this strategy? What are its potential strengths/weaknesses?
Background. For those ...
6
votes
2answers
173 views
The Asset Allocation Paradox
I've had this problem stuck in my head for a while and I'd like some help with it. In David Swensen's Unconventional Success, the argument is made that asset allocation is the best way to get a good ...
4
votes
3answers
118 views
Single investment across multiple accounts… good, bad, indifferent?
Are there any implications associated with investing in a single investment across multiple accounts? For instance, investing in 100 shares of Stock XYZ in both my Roth IRA and my Traditional IRA.
...
3
votes
1answer
97 views
Asset allocation on Betterment.com: What's the make-up of the stock & bond portfolios?
Is there any Betterment user that could tell me if it's possible to have more information about how my invested money are allocated besides simple portfolio allocation between treasury bonds and stock ...
8
votes
1answer
123 views
Which assets are best suited for a Roth IRA?
What are the most suitable assets types to own within a Roth IRA vs. a taxable account?
Generally, Roth IRAs are best suited for assets that a) generate a high return over a long holding period and ...
1
vote
1answer
88 views
Need help understanding asset allocation vs stock picking
Is there an easy to understand explanation of this statement:
Asset Allocation is more important in
determining over all returns of the
portfolio as opposed to picking the
right stocks.
6
votes
2answers
168 views
Are there index tracking funds that avoid the “buy high - sell low” problem?
An index tracking fund is a fund that buys direct stocks with a view to directly matching a particular index (e.g. the S&P500 or Russell 2000).
One way to allocate assets in such a fund is to ...
10
votes
7answers
2k views
Is there a general guideline for what percentage of a portfolio should be in gold?
I have some gold (GLD), but not much - a little over 1% of my net worth, and about 2% of my non-retirement investments. I'd like to increase this position as an inflation hedge and to have something ...
5
votes
1answer
166 views
What is a good asset allocation for a 24 year old planning to do a startup?
I am planning to quit my current job and do a tech startup. How should I invest my savings of ~$210K? Assume that a fixed amount X = $2000 gets withdrawn per month and the aim is to maximize the ...
4
votes
2answers
803 views
help with asset allocation for an early-30s guy with an uncertain future?
I've read a lot of guidelines on asset allocation but am basically hoping for more individualized advice like I've seen on so many posts here. I'll do my best to keep this brief:
Me - 32 years old, ...
9
votes
2answers
214 views
Invest in low cost small cap index funds when saving towards retirement?
This is a question about "Personal investing and asset allocation".
About me:
I earn more than I spend
I may retire in 15 or 20 years, and I have savings to be invested in something or managed ...
13
votes
5answers
306 views
Is there any benefit to investing in an index fund?
Does an index fund comprise of stocks that mimic the index? So when the index is altered to include new players/exclude old ones, the fund also adjusts? But how can this be, since index funds are not ...
5
votes
2answers
345 views
Using P/E Ratio of an ETF to decide on asset mix
I am a conservative investor with an asset mix of around 50% bonds/cash and 50% stock via large index ETFs. Recently I've been thinking about settling down on a non-emotional way to decide whether ...
8
votes
6answers
336 views
How do I find an ideal single fund to invest all my money in?
Suppose I wanted to follow the advice on this blog post:
An ideal balÂanced portÂfoÂlio would
be a sinÂgle fund. This forces you to
look at your investÂments as one big
bucket, ...
4
votes
4answers
198 views
Why are typical 401(k) plan fund choices so awful?
I don't expect a huge number of funds to choose from in a 401k plan, but all the plans I've ever seen are loaded with funds that have outrageously high management expense ratios (MERs) and they ...
3
votes
3answers
414 views
“Diversifying” by going Long and Short Simultaneously
I was hoping someone could take a critical eye to an idea i've had.
Traditionally it's said that one should diversify across various asset classes and ultimately types to spread the risk out based on ...
3
votes
2answers
71 views
What is the best resource to research the current state of asset classes for mutual funds?
I have a fairly simple asset allocation as follows:
50% Large Cap stocks
15% Small Cap Stocks
5% REIT
10% International Stocks
20% Bonds
What is the best web site to track how each one of these ...
6
votes
5answers
654 views
Is the stock market too risky for long term retirement funds? Why should a 20- or 30-something person invest in stocks?
Given the crash of 2008, how do you explain to a person in their 20's or 30's why a good portion of their retirement funds should go into the stock market? (And if you wouldn't, what would you ...
6
votes
1answer
57 views
re balancing portfolio by only buying more or by both selling and buying under and over allocated assets?
For doing a re-balance of a portfolio, is it a better idea to just buy more of the under allocated assets or sell some over allocated assets to buy the under allocated assets.
For my background, 28 ...
4
votes
2answers
129 views
classify investments in to different asset types
I am trying to do a portfolio re-balance starting this year. To do that I want to divide my investments into different asset buckets. I have chosen to use the following type of asset allocation --
...
4
votes
1answer
251 views
Does anyone have feedback on “Fund Manager” software?
Has anyone used "Fund Manager Portfolio Management Software"? I'm most interested in using it for asset allocation and rebalancing. I'm also taking a look at the Morningstar XRay report.
7
votes
2answers
889 views
What is most time-efficient way to track portfolio asset allocation?
I've recently decided I wanted to track my investments over time so that I could accurately determine really cool financial things like:
My actual asset allocation
My actual rate of return over time
...
2
votes
2answers
370 views
Any tips for asset allocation across multiple retirement accounts?
My family has 4 brokerage accounts: 1 traditional IRA & 1 Roth for both my wife and me. I would like to do a single asset allocation (such as the one below) across the 4 accounts? Is this a good ...
2
votes
5answers
563 views
What's the most conservative split of financial assets for my portfolio in today's market?
Mid 30's, looking for what split I should have between Australian shares, International shares, property, cash, interest, bonds, options, etc. or maybe none of the above. What is considered to be a ...
7
votes
4answers
667 views
Is the Yale/Swenson Asset Allocation Too Conservative for a 20 Something?
Is the Yale Portfolio by David Swenson:
http://www.etftopics.com/yale-etf-portfolio/
Too conservative for a twenty-something with a mid-sized portfolio (under $100K)? What are some of the pro's and ...
11
votes
5answers
2k views
What is a good asset allocation for a 25 year old?
I have a mid-sized portfolio (under $100K). And am currently in 100% stocks. I have seen some advice being given that states 80/20 bonds will yield similar returns as 100% stocks with less volatility. ...
9
votes
1answer
727 views
Any Experience with the Gone Fishin' Portfolio?
In doing research on How to Select IRA Investments, I stumbled across the Gone Fishin' Portfolio. This link where I found out about the portfolio claims that it is based on the 1990 economics Nobel ...
7
votes
3answers
185 views
Should I manage my asset allocation by style or market cap?
There are some sources (eg. The Complete Idiot's Guide to Making Money with Mutual Funds) that suggest a portfolio based on style (eg. value, blend, growth) such as
30% growth mutual funds
30% value ...
5
votes
3answers
172 views
Strategies for saving and investing in multiple foreign currencies
My wife and I are both expatriates and our financial situation is complicated by having accounts in different currencies. A frequent topic between the two of us which accounts are the best for keeping ...
7
votes
2answers
674 views
Asset allocation software: Application or tool to help me rebalance my investment portfolio?
I'm looking for an application that can help me rebalance my investment portfolio. I'm not looking for something that will suggest percentages for each asset class. I'm looking for something that, ...
4
votes
4answers
298 views
What is the best way to manage your hard earned money?
This is all about money management which we need to do on a periodic basis to have financial freedom.
There are many articles which say about this, but in real life I found many people managing it in ...
