Post deleted by Mat Sklansky

[Indiana]

Lots of $ in cash. How's about the Vanguard midcap index fund with some of that extra cash.

Indy

[Sniper]

Degen, you are young... why 40% in cash?

You want your money in the game, to take advantage of long term compounding.

[ThePinkBunny]

what are your goals?

[Sniper]

[ QUOTE ]
While I am young I do not necessarily have the same number of working years left ahead of me as most people my age

[/ QUOTE ]

What does that mean?

[Wake up CALL]

[ QUOTE ]
[ QUOTE ]
While I am young I do not necessarily have the same number of working years left ahead of me as most people my age

[/ QUOTE ]

What does that mean?

[/ QUOTE ]

I think it might mean he is a Scientologist and will soon be transported away to a better place along with Tom Cruise and many other enlightened beings.

[sprmario]

This portfolio doesn't make a lot of sense to me. It is totally polarized between extremely safe and fairly risky. HOw about:

20% Cash
30% Total Stock Market Fund
20% Total international Fund
20% Small Cap Value Fund
10% Total Bond Fund

[mwgr5]

[ QUOTE ]
20% Cash
30% Total Stock Market Fund
20% Total international Fund
20% Small Cap Value Fund
10% Total Bond Fund

[/ QUOTE ]

I like the above portfolio. I think holding the Fairholme and emerging markets funds in this portfolio would also be ok, although I would reduce the allocation to less than 10% for each. By holding these you may reduce the tax consequences of selling funds that have appreciated.

You have a high gold allocation. Although gold has had a great run recently, gold doesn't have great long-term performance and is not a great hedge against inflation.

Overall, you seem not properly diversified but rather in areas of the market that have performed well recently (maybe performance chasing). Your only international holdings are in emerging markets and you hold few large cap stocks.

Where is this cash being held? You can write checks off of money market funds so why not move more cash there and earn more interest than from a bank account.

Know the tax consequences of selling your current holdings before you switch to a different portfolio also.