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...

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1answer
54 views

Where can I get CSV data [on hold]

I am looking for a CSV data of the daily price of palm oil, coconut, and corn from Jan 1, 2010 to Nov 14, 2014. I tried http://www.investing.com/, but their data stopped on Dec 13, 2011. Any ...
1
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1answer
41 views

How should I allocate short-term assets in a rising-interest rate environment?

I'm looking to rebalance my portfolio and move some of my stock investments into lower-risk investments, largely because I want to use some of it in the not-too-distant future (say 2-3 years). How ...
4
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3answers
126 views

Bonds vs equities: crash theory

Let's presume a market crash is coming sometime within 6 months to a year. Theoretically speaking, would it be wise to reallocate my index fund, which is presently about 80 % stocks and 20% bonds, to ...
3
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5answers
227 views

How to choose a good 401(k) investment option?

I am starting my first 401(k) which will have 9% of my salary invested each month. I have the option of doing a Roth 401(k) or a traditional 401(k) with a range of investment options. I think the ...
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3answers
91 views

Allocating IRA money, clarification needed

I transferred my 401k to Vanguard IRA and allocated 70% of my money across: VIG (Dividend growth) VYM (High Dividend) VXUS (International) VTI (Total stock market) With market being ...
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2answers
105 views

Portfolio theory and the business cycle: Determining ideal allocation to stocks?

Historically, there is a level of mean reversion with stock prices. So the expected return of a market portfolio changes with boom and bust periods. Is there a generalization of portfolio theory that ...
4
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4answers
399 views

For young (lower-mid class) investors what percentage should be in individual stocks?

For relatively speaking young, middle / lower middle-class investors, what percentage of our investments should be individual stocks? I've done an excellent job keeping my credit outstanding and my ...
4
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1answer
372 views

Should I be more aggressive in a Roth IRA, 401k, or taxable account?

I presently have a mix of Vanguard funds spread throughout taxable and non-taxable accounts. Some advisors claim it's better to take risk in the taxable accounts while placing bonds in the IRA. ...
0
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1answer
258 views

Why do both stock and bond seem overvalued in 2014?

The general wisdom is that when stock is overvalued, bond is undervalued, and vice versa. Why are both suggested to be in a bubble in 2014? Also, if one believes in tactical allocation, what asset ...
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1answer
28 views

Switch between funds - Standard Life pension scheme

I have a pension scheme with Standard Life UK where my employer contributes monthly. Currently money is invested in a BlackRock fund. It is an equity fund. I was wondering how does the switch ...
2
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1answer
101 views

Allocation of HSA assets

I have a health savings account (HSA) linked to my high-deductible health plan (HDHP). I have been contributing to it for several years at the annual maximum. I have the HSA through UMB. The account ...
7
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2answers
279 views

How does Vanguard determine the optimal asset allocation for their Target Retirement Funds?

Until 25 years before retirement, Vanguard Target Retirement Funds all have an identical asset allocation of 63% U.S. stocks, 27% international stocks, 8% U.S. bonds, and 2% international bonds. I ...
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1answer
133 views

Investing in alternative strategies for people in their 20s/30s

I'm exploring alternative investing / trading strategies for my personal portfolio and had questions regarding their viability and appropriateness as a retail investor. Here's my risk / liquidity ...
3
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3answers
220 views

Retirement & asset allocation of $30K for 30 year old single guy

Recently came into some money, 30K via inheritance, which I would like to invest. I Would like to put some if not all of it towards retirement, as I have no plans to touch the money for at least 10 ...
5
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1answer
266 views

Should my retirement portfolio's asset allocation become more conservative over time?

It seems to be common advice that a retirement portfolio should be invested aggressively when one is young, and conservatively when one is older and closer to retirement. Is this good advice? ...
4
votes
1answer
62 views

How to treat multiple currencies in global asset allocation?

Say I'm trying to diversify my portfolio along multiple asset classes and countries. Many of those assets are in different currencies. For example, I'm based in the UK and I'm evaluating a 3 asset ...
5
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2answers
122 views

Does long term asset growth really converge to that derived from compound interest formula?

Many websites/experts claim that the longer you hold your assets, the likelier your asset's return is closer to that predicted by the compound interest formula. However, some other experts claim ...
3
votes
1answer
76 views

Question on asset allocation

http://portfolios.morningstar.com/fund/summary?t=PTTRX&region=usa&culture=en-US Trying to understand this fund as I'm learning more about it. I don't understand this: What does it mean when ...
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2answers
261 views

Where can I get current data on US equity/bond markets as a share of the global markets?

I would like to periodically rebalance my asset allocation to match the world market capitalization for domestic vs. international holdings. Rick Ferri's "All About Asset Allocation" book has a pie ...
6
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1answer
430 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 ...
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2answers
669 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 ...
7
votes
1answer
498 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
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1answer
255 views

What is the best resource for determining a specific 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
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1answer
94 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
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2answers
465 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 ...
8
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4answers
218 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
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1answer
135 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
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1answer
1k 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
1k 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
266 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 ...
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0answers
147 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 ...
3
votes
2answers
58 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
581 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 ...
10
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4answers
649 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
136 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
317 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 ...
6
votes
1answer
59 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 ...
8
votes
5answers
3k 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
205 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 ...
7
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2answers
237 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
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3answers
137 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
127 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
145 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
115 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.
7
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2answers
314 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
4k 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
213 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
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2answers
1k 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, ...
8
votes
2answers
266 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
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5answers
415 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 ...