Rate my advisers portfolio please.

[Ramose]

jpg has made some valid suggestions. It's the belittling manner in which he speaks which doesn't work for me.

How many times does he need to tell me its to conservative? I already know that.

How many times does he need to tell me my DCA in over 5 years is to long. for him.

I wonder if he has ever told a client.. "I mean, why on earth would you want to take 5 years to get properly invested, when you could do it right now?"
Thats a belittling question. Not a suggestion

"If you don't know things like this, I'm really questioning if you should be in charge of the investing".
I bet he says that to all his clients..think?

I think that he manages the investing for them because they shouldn't be in charge!

[jpg7n16]

See what you fail to understand is that I just ran into cash. still with me?

So what you're saying is that since you just came into the cash, that it's perfectly fine to leave it there for the next 5 years when you have growth objectives?

And as of right now Im a bit more aggressive than earlier. still with me?

So what you're saying is that a 36% cash 38% bond 24% stock portfolio is more aggressive than a 66% bond 34% stock portfolio?

And when it comes to your advise.. I think Im just fine and you just run along now.. understood?

I really don't think you are. Good luck figuring it all out. And if you'd like to pay someone like me to figure out why it's not working for you, feel free.

Obv you could post on here for free, but you don't take our suggestions.

Not just mine, kv968, kork13, DisneySteve, etc. -- all have given you input on exactly how to make the overall portfolio more in line with what YOU said you wanted. And you haven't acted on it.

How many times does he need to tell me its to conservative? I already know that.

...Wait a sec. Didn't you just say?...

So I guess my conservative portfolio is appropriate for now

That doesn't seem like you're aware.

How many times does he need to tell me my DCA in over 5 years is to long. for him.

I believe I only said that twice (not including this post). Once saying I didn't like it, once saying why. Was that too many?

And it's too long based on what YOU said YOU wanted.

YOU asked US for help saying you didn't want to miss the boat when the economy improves, so your strategy is to DCA in money over the next 5 years?? If you don't want to miss the boat , you shouldn't be waiting around 5 years until after it's improved. I mean isn't that common sense?

I wonder if he has ever told a client.. "I mean, why on earth would you want to take 5 years to get properly invested, when you could do it right now?"
Thats a belittling question. Not a suggestion

Plenty of times. It's an honest question.

You have everything you need to get properly invested -- today. It's all here right in this thread. The proper asset allocation, even fund suggestions on how to do it. All at no charge. Why wait 5 years?

That's a serious question: Why would you wait 5 years?

"If you don't know things like this, I'm really questioning if you should be in charge of the investing".
I bet he says that to all his clients..think?

It was honestly a very basic question. What experienced investor asks if a junk bond fund is a good place for short term cash holdings? That combined with investing based on fears, and well just the rest of this conversation, it all tells me you're not a very experienced investor. And to be frank, you really don't know what you're doing.

If you heard your pilot asking what an "altimeter" was, you'd probably be second guessing if he should be flying the plane. When I hear people ask things you learn in investing 101, I question if they should be running their own portfolio.


If you're gonna ask for advice, at least take it. Not even talking about my posts. Go back to read the other posts, skip all mine if you want, and see what others have said about what you should do. Why aren't you taking their advice?

[Mr Nice Guy]

Looks too conservative for your age. The market will have up's and down's but will generally trend upwards in that time. I think you should increase your stock holdings for at least the next 5 to 8 years.

lol great timing

[rerod]

ditch VINEX and just keep VTIAX for your international exposure, ditch VBIAX, VWEAX, and VFIJX and buy VTSAX (Total Stock Market Index) and VBTLX (Total Bond Market Index). As for allocations, we can go back and forth on the details of that but at 47, I think something like this would be a good place to start:
VTSAX 50%
VTIAX 20%
VBTLX 30%

I'm still aiming for Steve's suggestion and like he said and we all probably agree, "we can go back and forth on the details of that". A little blood in the streets today so I bought some more VTSAX .

What Im trying to decide is which bond fund.
VBILX
VFSUX
VFSTX
VBTLX

https://personalp.vanguard.com/us/funds/vanguard/compare?navigatingFrom=1

I like VBILX the best

[disneysteve]

What Im trying to decide is which bond fund.

Well, the total bond market index is 30% corporate and 70% government with a range of maturities. The intermediate term index is 50/50 all with 5-10 year maturities. There are pluses and minuses to each approach. Obviously, the higher corporate exposure tends to result in higher returns which has been true here if you compare the two.

[kv968]

Rerod:

I like VBILX the best

Obviously, the higher corporate exposure tends to result in higher returns which has been true here if you compare the two.

That's true but I wonder if it's worth the risk. The inter-term (VBILX) has been bid up to a yield of only 1.76% compared to the SEC yield of 1.67% for the total bond market (VBLTX).

The difference is that VBILX has a duration of 6.5 yrs. compared to 5.0 on VBLTX. So when interest rates rise, VBILX should fall more than VBLTX. IMO, the 10 basis point difference in the yield doesn't make it worth the risk.

[rerod]

Rerod:



That's true but I wonder if it's worth the risk. The inter-term (VBILX) has been bid up to a yield of only 1.76% compared to the SEC yield of 1.67% for the total bond market (VBLTX).

The difference is that VBILX has a duration of 6.5 yrs. compared to 5.0 on VBLTX. So when interest rates rise, VBILX should fall more than VBLTX. IMO, the 10 basis point difference in the yield doesn't make it worth the risk.

I ended up moving MM to VBTLX total bond market index adm shares. And almost bought more VTSAX again.

Anyone care to predict the bottom of the DOW and when?

[rerod]

Kind of surprising how much a 25/75 port can still loose value on a bad week. I thought bonds acted inversely and I should have left half the mm in cash since I planned on buying.. Lesson learned. lol