{ "media_type": "text", "post_content": "Any advice on my current Vanguard Portfolio ?", "post_id": "62f585d61d5373001fb6b777", "reply_count": 8, "vote_count": 2, "bowl_id": "5e6fe1c31f5e51001d267e46", "bowl_name": "The Work-Life Bowl", "feed_type": "bowl" }

Any advice on my current Vanguard Portfolio ?

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Hard to say without knowing how old you are and when you would like to retire. If you are younger than 40, you probably don’t need any bonds or cash at all in your asset allocation. Otherwise, what you have is mostly fine…I’d look into the fees charged by the individual funds you’re invested in and allocate the majority of your assets in the cheapest ones.

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Maybe less large cap, more weight into small caps since you can be a little more risk tolerant. But I’m no FA.

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I deal with FA’s and they have no idea what they are doing so just do what you feel comfortable with. Cash is good for any opportunities that can come up. Bonds look good for the long term and Large cap is definitely underpriced, great time to get more for the next 12-18 months

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I would definitely lower the international exposure by about 5-10%. Look for only high conviction picks in the international and move that to either cash or large cap overweight to US based companies

Thanks for the feedback. Currently 34. I’ll look at other ways to allocate instead of cash and or bonds.

Piling on to what BR1 said. Everything is based on your age and goals. 34 is kinda that middle point where you are still young but looking to have a solid foundation.

My personal opinion - unless you REALLY understand the foreign stocks you are invested in thats a very risky weight toward foreign. I would swap foreign and mid cap at a minimum. I am personally 10% foreign and I essentially consider it a 100% loss all the time. As long as I dont actually lose 100%, Im mentally ahead. Standards for transparency and accounting for foreign companies are just not the same as US companies and not in a good way.

Im 55 and have 10% in bonds but I also consider myself to have a very high risk tolerance. Its one of the advantages of having a defined benefit retirement. I think 8% is probably appropriate for someone your age but think about moving to 10% if your risk threshold is low.

Back in ancient times the rule was 100 minus your age for the mix of stocks and bonds. So for you it would be 66% stock, 34% bonds. That worked when you normally died at 60. Today its 125 or 150 minus your age, reflecting that living to 85 is both common and expensive. At 125 you would be 9% bonds, 150 0% bonds. Up to you to decide where your risk tolerance is.

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