Any advice on my current Vanguard Portfolio ?

Post Photo
like
Posting as :
works at
You are currently posting as works at

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.

likesmart

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

like

💯

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

like

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.

Related Posts

What are some of the effective anti perspirants that you ladies use?

like

Hi Fishes, can I get 19 lpa fixed in PwC India for 4 yrs of experience in data engineering. My current CTC is 13 lpa. Please suggest Deloitte Deloitte USI PwC India EY EY India . Please suggest.PwC India PwC Deloitte Deloitte USI

How do you get out of the burnout cycle? I’ve felt overwhelmed for a while and now I’m in the “can’t function at all” stage. It’s so hard explaining this to my manager because I already have a workload that’s lighter than others (not because of performance or my request). Any tips on how to get re-engaged, since the overwhelming feeling will come back?

like

Can you survive on a $147k base salary in SF living alone? No loans, family, or other expenses…

funnylike

What would be better move to continue getting good technical exp but also move up over 3-4 years before going to steady industry role towards security architecture? Currently new M in big4 cyber trying to figure out next step. Go to another big4? MBB? Cyber focused company? FAANG?

like

I’m bicurious and definitely attracted to hyper-masculine girls. I found myself fantasizing women quite a lot. I want a serious relationship. Any advice?

like

Is it necessary to have a college degree in order to have a successful career in logistics?

like

Breast implant question: I'm 30 and planning on having kids within the next few years. I would like to get my breasts done at some point (lift and small implants). Is it best to wait until you're done having kids to get the procedure?

like

Can you please help me choose below EY GDS X + 10% VP Capgemini X +10% VP+ 1L JB Yoe 10+ Technology: SAP Looking for WLB and Job security and growth Capgemini EY

like

Ladies I can’t decide!! I’ve always wanted the neverfull but the all back on the go is calling me

Post Photo
likehelpful

Interview tips for getting a job at NextRoll? Any reviews about the company?

like

Is saas sales stressful?

like

Hi All

Can anyone refer me in any MNC, YOE is 8 years, in HR operations, I can join immediately. Please help

like

Not me applying for admission in California to go help free Britney…

like

S&P Global Hey everyone, Heard this rumour that huge layoffs are going to happen in S&P global india....can anyone give heads up about this ?

S&P Global

helpful

How do you know you have body dysmorphia?? All I think about is how much I hate my body and my face. I feel worthless I skin pick and go through phases of binging and fasting for days.

Hey everyone, What would you say is the difference between an account director and a senior account manager. I was just promoted as an account director when I quit my job and moved to the U.K and now having so much trouble finding a job as an AD. My last interview feedback was that they really liked me but felt like I was lacking new bizz skills and that the organic business growth opportunities I found and jumped on were “luck aka right place at the right” moment kinda thing?

like
like

I had applied for two job openings in Deloitte USI for ServiceNow Developer role and they rejected the application within 4 hrs of applying stating “Unfortunately, after careful consideration, we have determined that our current position is not ideally suited to your talents, experience, and qualifications.” Can anyone shed some light on this. Are there any other eligibility criteria which I may be failing to meet? My 10th, 12th and Graduation is above 70 Deloitte Deloitte USI Deloitte India

I have a 6yo whose school is closed because it’s in the “containment area” and a 2yo whose daycare is closed because of the virus, too. After initially telling me to “take care of my family” (cont)

like

Additional Posts in The Work-Life Bowl

I'm not going to get back 5 hours of my life.

Watched "Indian Matchmaking". Full of incredulous stereotypes that I abhor. Indian here, btw.

likefunnyhelpful

Boosted yesterday and made it a solid 24 hours feeling great. It was a trick, now I’m crying in bed feeling like this is the world’s worst hangover. Still preferable to Omicron or the inevitable Pi.

likefunny

I have two options. A 2018 Audi Q5 prestige 18,000 miles for about $37k and a 2021 1,233 miles premium plus for about $41k. Which should I pick?

likehelpfulfunny

Came back to my parents’ house 800 miles from where I live for the quarantine. My mom’s a dentist and all of a sudden her revenue dropped to an absolute zero and she’s got bills and the clinic’s (...)

like

My gf is better than me in every way. I don’t look half bad but she’s absolutely gorgeous - turns heads when we’re out. She works at MBB. She’s ambitious and has a kind, loving heart (cont’d)

likeuplifting

Anyone knows of a good deal on office chair?

like

Olympus Has Fallen - COVID19 Edition

Post Photo
funnylike

What’s the best purchase for your home office you’ve made so far (including pre-COVID)?

likehelpful

Best way to ship someone liquor as a gift?

Between Austin TX and Charlotte NC, which is better to move to if we’re all going to be working remote for a while?

like

Unemployment came out at 13.3% vs predicted 20%. How did economists miss it by this long? Don’t they just extract information from very recent data and project it only a few days into the future? Usually you hear 95% confident plus minus 1%. What’s the odd it’s 6% off?

like

What are the reasons you do not want to wear a mask in public?

like

What is your favorite Netflix or Hulu recommendation?

like

I'm getting really tired of people not responding to me. It's Driving me absolutely crazy... Why do people do this?

likefunny

Question for fathers with grown children. My dad is very much one of those who keeps all negative emotions entirely internal. His sibling just passed away. Should we as his children just show up to support him, or give him space? If we ask he'll say he's fine regardless of how he's actually doing

like

My girlfriend lost her grandma to the virus 5 weeks ago. She's still very much grieving. Sometimes she wakes up in tears 😭. Hurts to see her in pain. Suggestions to console a SO who's grieving?

like

Can I get a few likes to unlock my DMs? I’m really trying to utilize what this app has to offer and not miss opportunities! Thank you!

likehelpful

Have you ever volunteered for a project then about 4 hours in think time yourself “ oh my goodness I regret taking this on?” Hahaha

like

I had a bad dream last night that my sibling died, and I’ve come to the awful realization that as the youngest in my family, everyone will die before me and I will have to say goodbye to all of them at one point (hopefully late) in my life.

like

Am I being dumb here - just purchased a fridge from Lowes, delivery next week. Just found out through company perks that I could get it from a different retailer for $600 less but it is back ordered meaning it could be weeks or months until I get the fridge…. I am leaning toward keeping my order with Lowes … current fridge works, it is just old and shelves / ice maker is broken.

like

New to Fishbowl?

Download the Fishbowl app to
unlock all discussions on Fishbowl.
That was just a preview…
Sign Up to see all discussions
  • Discover what it’s like to work at companies from real professionals
  • Get candid advice from people in your field in a safe space
  • Chat and network with other professionals in your field
Sign up in seconds to unlock all discussions on Fishbowl.

Already a user?
Login here

Share

Embed this post

Copy and paste embed code on your site

Preview

Download the
Fishbowl app

See what’s happening in your industry
from the palm of your hand.

A phone with Fishbowl app

Send download link to your phone

OR

Scan your QR code to download
Fishbowl app on your mobile

By continuing you agree to Terms of Use and Privacy Policy.

Messaging rates may apply

Download app

Sign up for free to view this conversation on Fishbowl

By continuing you agree to Terms of Use and Privacy Policy

Already have an account? Log in

Sign up for free to continue using Fishbowl

By continuing you agree to Terms of Use(New) and Privacy Policy(New)
Messaging rates may apply

Already have an account? Log in

For account settings, visit Fishbowl on Desktop Browser or

General

Legal