Vanguard ETF's

[T0ne D0wn]

I will be investing 10k into vanguard ETF's.

Thoughts..?
25%-Total Stock Mkt Idx Inv
25%-Small-cap Value Index
20%-International Growth Inv
15%-Emerging Mkts Stk Idx Inv
15%-European Stock Index Inv

-I also plan to put some $$ into a 6 month CD.
-Going to work on maxing out my IRA.

Sound good/Any comments suggestions would be vv much appreciated!

[Puf2006champ]

I would suggest making your life simpler with just two ETFs:
VTI
VEU

Figure out the ratio that you want in terms of US/non-US and just buy accordingly. Both are very low expense and will basically cover the whole world. VTI also has a decent dividend.

Pufchamp

[SlowHabit]

It looks pretty good. Here are my changes.

I would take 5% each off the Total Stock and Small-cap and buy a REITs fund. Also, I would change the international growth into international value [small-caps is preferred if any good fund is available].

[SlowHabit]

[ QUOTE ]
I would suggest making your life simpler with just two ETFs:
VTI
VEU


[/ QUOTE ]
Life can't be that much more difficult from managing a five index funds portfolio instead of a two index funds portfolio.

[mtgordon]

Seriously, how are funds so hard to manage? Isn't it just rebalancing once or twice a year? Is there something I'm totally overlooking here? I'm not trying to be cocky I just really don't understand how/why it is hard.

[edtost]

[ QUOTE ]
Seriously, how are funds so hard to manage? Isn't it just rebalancing once or twice a year? Is there something I'm totally overlooking here? I'm not trying to be cocky I just really don't understand how/why it is hard.

[/ QUOTE ]

I'm just confused as to how the OP couldn't figure out what the forum was going to respond with by reading the last ten "hey what should my vanguard allocation be? is this ok?" threads started in the last week.

[mdouglass]

[ QUOTE ]
Seriously, how are funds so hard to manage? Isn't it just rebalancing once or twice a year? Is there something I'm totally overlooking here? I'm not trying to be cocky I just really don't understand how/why it is hard.

[/ QUOTE ]

It is more difficult when you know you want to invest money but don't know where in the hell to put it.

[wpr101]

I like the %s and funds you picked.

In my IRA I'm buying individual stocks rather than mutual funds.

[MrE2All]

I'd hold off on purchasing those ETFs right now. The reason is the market is too high and amateur investors, like yourself, are racing to get their money in. Well it's too late. But to Vanguard it doesn't matter, they must buy when you give them their money.

The market will experience a correction here very soon. Once people start crying that the sky is falling is when you put your money in. I'd recommend CDs or some other liquid investment until we get through the inevitable downswing.

GL,
MrE2All