Re: Comments on Vanguard Portfolio Plan
 

Is this in a taxable account? International Value is not appropriate in taxable. Any kind of Value will be marginal at best in taxable.

Why do you not have Pacific coverage? Let me guess, you looked at the rolling 10-year returns?

Re: Comments on Vanguard Portfolio Plan
 

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Wait... is this going in a taxable account?

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Only non taxable accounts are IRA's right? Not available for other income filers.

I hold alot of my money in vanguard, but the accounts are definately taxable is why I am asking.

Re: Comments on Vanguard Portfolio Plan
 

So if its taxable what should I do instead and why?

Re: Comments on Vanguard Portfolio Plan
 

100% equities is fine.

I think your portfolio is risky, but that's ok. Higher expected returns will compensate that risk.

I believe that many people give conditioned responses, when it really depends on a lot of factors. With a long horizon, a conservative portfolio is the equivalent to a bet that the stock market won't continue to behave as it has in the past. It's possible this bet is a smart bet, but I see no reason to think so.

Re: Comments on Vanguard Portfolio Plan
 

[ QUOTE ]
[ QUOTE ]
Wait... is this going in a taxable account?

[/ QUOTE ]

Only non taxable accounts are IRA's right? Not available for other income filers.

I hold alot of my money in vanguard, but the accounts are definately taxable is why I am asking.

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IRA's/401ks. I'm self employed and have a SEP IRA.

Re: Comments on Vanguard Portfolio Plan
 

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So if its taxable what should I do instead and why?

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You need to look at tax efficiency of everything you want to hold.

Re: Comments on Vanguard Portfolio Plan
 

[ QUOTE ]
[ QUOTE ]
[ QUOTE ]
Wait... is this going in a taxable account?

[/ QUOTE ]

Only non taxable accounts are IRA's right? Not available for other income filers.

I hold alot of my money in vanguard, but the accounts are definately taxable is why I am asking.

[/ QUOTE ]

IRA's/401ks. I'm self employed and have a SEP IRA.

[/ QUOTE ]

Self employed as in you file a schedule C and pay self employment tax?

Re: Comments on Vanguard Portfolio Plan
 

[ QUOTE ]
[ QUOTE ]
[ QUOTE ]
[ QUOTE ]
Wait... is this going in a taxable account?

[/ QUOTE ]

Only non taxable accounts are IRA's right? Not available for other income filers.

I hold alot of my money in vanguard, but the accounts are definately taxable is why I am asking.

[/ QUOTE ]

IRA's/401ks. I'm self employed and have a SEP IRA.

[/ QUOTE ]

Self employed as in you file a schedule C and pay self employment tax?

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Yes as that would be what self employed means.

Re: Comments on Vanguard Portfolio Plan
 

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1) too much small cap
2) too much mid-cap [i assume this is US_only]
3) Where's your bonds/cash/dry-powder?

The market will take a 10% tumble at some point in the near future, you should always have some dry powder in reserve.

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In that case it's more than fine to be 100% equities. Since the beginning of it, the SPX has averaged 10.8%, while bonds are around 5.1%, when you are this young, and can ride out the market, it would certainly be in your best interest to be 100% equities.

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It is beyond question horrible advice to jump-start with 100% of your investable assets all hitting the market on Day 1, for curtains. Anyone who says otherwise is an idiot.

No rational [or professional] investor does this. Essentially, you are saying that, using SPX as an example, it is OPTIMAL to put 100% of your funds in on Day 1. It will never go down more than a tiny bit, the optimal solution is all of it, now.
After all, the SPX has underperformed bonds for 8 years now.

Since we know the market will have a tumble of that size, it is more optimal to invest some/most now and the rest later.
Or DCA over 3, 6, etc months, whichever you prefer.

You seem to lack a basic understanding on these issues you are giving advice on.

Re: Comments on Vanguard Portfolio Plan
 

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100% equities is fine.

I think your portfolio is risky, but that's ok. Higher expected returns will compensate that risk.

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1) I somewhat disagree. 95% of investors cannot tolerate the swings of such a portfolio, perhaps Curtains is the exception. Will you be happy if the market takes another 47% tumble? I'd wager he won't be.

2) This is a very, very flawed assumption, ftr.