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3 Fund Portfolio
- 3 fund portfolio allocation For those doing this, what is your ratio? Mines currently 95% US large cap, 5% US bonds. Ideally looking for 90, 10 index/bond and 80/20 US and intl and probably have more small/mid cap for US. What's your allocation? TC: 270k
- 3 fund portfolio I was heavily buying VTI ETF during previous and this correction. I wonder if it’s a good time to buy BND Etf since bonds are historically cheap. The goal is to establish 3 fund portfolio for passive income. Currently I have no investements in bonds. thanks a lot ! #etf #fire
- Investing | 3 fund portfolio | Vanguard fund questions Lets say one wants to put 60K in this market. Inorder to keep the risk profile conservative, should one invest 20K in each - 1] Vanguard Total Stock Market Index Fund (VTSAX) 2] Vanguard Total International Stock Index Fund (VTIAX) 3] Vanguard Total Bond Market Fund (VBTLX) and follow the vanguard
- Wealthfront vs a standard 3 fund portfolio Do you have experience with Betterment/Wealthfront and how they compare to a standard 3 fund portfolio at Schwab/Fidelity/Vanguard? I know fees are a bit higher. Is the return still more? Is the automatic rebalancing and tax-loss harvesting worth it? I tried to calculate the cost difference using
- 3 fund portfolio with international exposure I looked at many three fund lazy portfolios and they recommend ex-US funds at abount 10-30% of the portfolio. Funds like VXUS etc don't have good returns over the past 10 uears. What international fund do you invest in? Is it worthwile to put money in intl stocks at all?
- Wealthfront or Lazy 3 Fund Portfolio? Thoughts on robo advisory investing? Lazy 3 Fund sounds like the safest option and would save me the most sleep initially, but I'm curious what people in tech think. I have around $60K in cash sitting in my savings... I want to keep $30K cash for emergency and invest the other $30K.
- Thoughts on boglehead 2-3 fund portfolio? Just wanted tech industry swe opinion on 2-3 fund portfolio boglehead type stuff. Im 25 single $145k TC. i want to get to 1m net worth by 35. Whats the best way i can achieve this is this even possible or remotely realistic? Or is $500k more realistic. Basically trying to get a very broad range of w
- vote Switch from 2055 retirement fund to 3 fund portfolio? Should I do this to avoid the funds fee and also add some individual stocks?
- Good time to put money in vanguard’s 3-Fund portfolio? Have been saving up for couple of years now. Initially I had put my savings in a CD which vested last year and as a result missed out on the market gains last year(which have been pretty much undone this week). Is now a good time to put my savings in a 3-fund portfolio? Also which vanguard index fu
- Margin loan to buy investment properties? Does anyone use interactive brokers margin to fund investment properties before doing a cash out refinance? Their interest rates is less than 3% and can borrow up to 50% of portfolio.
- Best Funds/Bonds/ETF/Stocks to Invest 401K I am using Fidelity Managed portfolio service and the selectbthe funds to invest my 401k amd charge an annual fee of 3% irrespective of whether the portfolio grew or not. I thought they knew the right funds to invest in but for the past month they have been loosing in all the funds that they selecte
- Portfolio advice? ($200k) Can anyone weigh in on the is portfolio / asset allocation strategy? Background - TC: 180, - 40 years to retirement, in 20's. - risk-seeking, - buy-and-hold strategy, - knowledgable enough to avoid basic mistakes (e.g. selling in a down-market, picking stocks vs. index funds). Portfolio ($200K) -
- Empower retirement 401k My new employer is offering 401k& 6% match with Empower retirement. I dont see any low ER funds. How do I go about implementing 3 fund portfolio for a low ER. Can anyone with the same provider help me on this? Age:22 Tc : 110k #finance #401k #retirement
- vote Front loading my 401k need to decide where to invest it It accounts to about 2-3% of my portfolio and most of my portfolio is composed of index etfs. Since the account is tax advantaged I may switch back to my default option (index funds) in a year. Basically which option do you think is going to outperform the market?#personalfinance #investments
- Joining a Portfolio Manager's team at a hedge fund as a Software Engineer Hello Blind folks, looking to improve my TC. Would like to join a Portfolio Manager team at a hedge fund as a SWE to develop infra for trading/research/backtesting 1. How do you find Portfolio managers looking for SWEs? I never see listings like these on LinkedIn. 2. How do you vet a Portfolio Man
- vote 150k to invest? Another “I have x to invest” post, hurray! The difference is I also have a POLL. Here are the options I am considering given the current and near term macroeconomic conditions - think a possible Trump impeachment, no-deal Brexit, slowing China. Right now the vanguard index fund portfolio I’m inves
- Is FB stock long term hold? Below is my portfolio of stocks in the order of most favorite to least. Although FB is up +100% in my portfolio it is one of my least favorite stock because their main revenue model is advertising through their slowly dying platforms FB and Insta. Logically if FB as a company doesn’t exist tomorrow
- Dividend income Mid 30s Guy here. My financial goal is to have a passive income of around 30k per annum by the time I reach mid 40s and retire. I have mostly been buying index funds (particularly OEF, SPY and SKYY). I have about 240k invested mostly in the mentioned 3 index funds. Can anyone recommend a good divide
- vote If you had $500,000 in savings how would invest it? 1) Mutual funds - if so which ones, how diversified would you go in terms of managing risk 2) If real estate, what would you buy, where and consider property manager fees 3) Stocks, really would you risk it and what would your investment portfolio look like? 4) Other
- Zero-coupon Muni / US treasury bonds I want to keep my home downpayment grow for 3-4 years after which i will but a home. I put the downpayment money in three-fund index fund portfolio earlier, with 50/50 stock/bond ratio, but i was suggested that this is risky. I’m now looking to buy zero-coupon muni / US bonds instead. Where can I bu
- Self-managed index fund investment vs. robo investment I have a self-managed 3-fund index fund portfolio in vanguard, and a small investment at wealthfront with risk score of 9. While vanguard index funds have lower expense ratios, wealthfront provides tax-loss harvesting which can close the gap. Is there any analysis or pointers to the comparison two m
- Biggest stock market hack 🚀 I found the biggest stock market hack to make money irrespective of where market goes. Here’s step by step guide: - 1. Start with buying low cost index funds such as VOO, or VTI. 2. Now, buy few shares every week to dollar cost average. 3. If it’s a bull market, buy in small chunks. 4. If bear m
- Kindly help with rebalancing my portfolio My portfolio looks something like this ARKG: $20K MSFT: $60K ABNB: $5K Any suggestions about high performing ETFs/Index funds? TC: 185k YOE: 3 Noob here. Kindly enlighten. As a side question, would you recommend any services like Motley fool, stockbuzz, titan? Why? #personalfinance #investments
- vote Which online brokerage is better for experienced investors? I currently use RH, but I heard it's not as good for index funds and ETFs. So looking to move all/part of my portfolio out of RH Which of these(or other) is better for someone who's 3-4 years into investing, I also usually buy and hold; not a frequent trader. #investing #brokerage #ETF #index
- Three fund portfolio Balancing Hello Blinders, I try to follow 3 fund portfolio ( 50% total stock market, 25% international stock market and 25%bonds) strategy for my fund investing. Considering the current scenario of stocks crashing, do you all suggest rebalancing it to be less bonds and more stocks, or let it ride with the cur
- Anyone invest in Indian Mutual funds ? 1)If yes kindly mention the funds you invest in ? 2)How much each month? 3)What is your time horizon to hold them ? 4)Do you file taxes on them in US even if you don't sell them ? My approach is to put 30K INR each month in three different funds that broadly captures the whole market holisticall
- Vanguard Portfolio Advice - $200K Can anyone weigh in on the is portfolio / asset allocation strategy? Background - TC: 180, - 40 years to retirement, in 20's. - risk-seeking, - buy-and-hold strategy, - knowledgable enough to avoid basic mistakes (e.g. selling in a down-market, picking stocks vs. index funds). Portfolio ($200
- Evaluate portfolio Looking for your thoughts. My portfolio is mix of individual stocks (80%+) and funds starting from 2017. 1. Is this rate of return expected? 2. Any alternatives to deploy capital $100k plus from Robinhood? Why? 3. Where to bet the next $10k? 4. What would be your advice to get to $MM from 1000s.
- 50K extra to invest I have 50K extra to invest, and i have already diversified my other investments to many different areas using: Vanguard 3-fund index fund portfolio ( vtsax, vtiax, vwitx (60/30/10) ), M1Finance 3-fund ETF portfolio ( vti, vxus, vteb (60/30/10), individual company stocks and ESPP (around 80K), Treasu
- How to invest your first signon? Just got my first pre-tax signon ~70k, and I'm curious about the most efficient way to invest these money. Should I establish multiple checking accounts to earn new-account awards? Is it better to put these money into a single muni fund or to diverse portfolio? Expected expense: Tax ~15k 04/2020 Re
- Up 22% this year, with my SIPs.What should I improve? I understand this has been best year if you look at absolute returns. (FY20-21). I also realise that every year is not gonna be this good and some might even be negative. It's just that I feel I could have been up much more than 22% in a such a year. Started investing from May 2020 with left over i
- h1 b visa - merrill edge investment account i want to open an investment account with 3 fund portfolio and start off with $10k but it looks like a h1 b visa holder has to maintain a min balance of $250k to open and operate a merrill edge investment account. Are there exceptions to this? if not, are there other options without the need for suc
- Vanguard Wellesley fund (VWINX) for short-term investment I have recently used personalcapital.com, which suggested me that i have too much money sitting in online savings account (150K) (1.3% yield) and i should consider stock market. I already have a 3-fund portfolio of 40K in vanguard other than this money) but based on this suggestion, i’m planning to
- Bond vs Bond funds I’m a newbie conservative investor and planning to follow 3 fund portfolio, with 40% investment on secure investment vehicles. I’m trying to achieve 5% real return (post tax). I’m learning about Bonds for one of the secure investment options. Should I go with individual bonds (US Treasury, TIPS, Mun
- How to invest and prevent FOMO? Hey all - Wife and i are 27, recently married, both in tech. We have ~470k in savings (300k in brokerage, rest in 401k/roth/hsa). Both in tech. We max 401k, HSA, but cant really do Roth (havent done backdoor yet). For tax advantaged accounts, we dont have much control so we just allocate to targ
- Who grosses $60k a month in income? I was window shopping real estate to the tune of $5M+ homes and condos. Who earns that kind of bread to be able to afford a 5M home? I say 60k a month since 15k monthly mortgage*4. Or about 1.2M a year My ideas. Equity and bonus amortized over 12 months. Reccuring income, not one time pops. 1. S
- 401k strategy Could you please help me figure out why 3 fund portfolio is better for people within 30 years until retirement? Does not it make more sense to go all nasdaq or even arkk instead of sp500+bonds? Sure past performance doesn't guarantee future returns but still nasdaq seems more lucrative. If I don't p
- How to effectively invest 1.5 lakh per month in India I am an Engineer working in an MNC and earning 2 lakh per month but I am struggling to invest profitably. I have kept 15 lakhs on my savings bank account which I think its getting wasted since the ROI is very negligible without even considering inflation Per month expenses is 25K Here what I have
- Investment ideas for 100k Wanted some feedback on the following investment plan I had for pouring in about 100k and also continuing the same model using dollar cost averaging: 1. S&P fund like FXAIX - 40% 2. Consumer staples like VDC - 20% 3. Semiconductor - NVDA, AMD - 20% 4. EV (TSLA etc) - 15% 5. Usual tech stocks - 5%
- vote LOSER burning all the savings NEED some serious ADVISE Made huge mistakes for the last two years and feeling bad everyday. Burnt around 25k from my savings which brings my NW down 40%. Held all my savings in the index funds and value stocks until 2021. Since the greed and fear of missing opportunities I moved more than half of my assets to high growth
- Investment in India (~>50 lacs INR) What are some new investment companies/producs to Invest in India for high NW individuals(Resident/Non-resudent) has explored and invested in. I came across below list of companies/funds which are interesting. Any idea how good or complicated these products are compared to regular MF/SIP/Stocks inve
- Will Goldman force me to sell all my stocks? I am joining goldman sachs soon and saw this post on blind. Is this true? Will they make me sell my whole portfolio? I'm going in as a PM and not for any trading platforms. "GS has no trading policy, you can’t buy/sell public listed equity, can’t buy closed ended mutual funds, you can invest in ope
- Savings money investment portfolio Hi, I’m doing daily investment ($100) in below ETF 1) BND(10%) 2) VTI (35%) 3) VXUS (35%) 4) VNQ (10%) This is all in auto-pilot mode. Q1) how does this portfolio look ? Q2) I additionally have some 30k (accruing 0.5%) in savings account. I don’t want to buy stocks or ETF directly with it, since I
- vote Another investment Property or Naqda index fund? Non-US Googler, and thinking my next step of my investment. Hope some investment guru can show me the right way. My portfolio: a) Investment property: - 600K(paid off) - 25K positive annual cashflow. - 5 year average capital growth rate: 3% b) Residential property: - 500K(50% paid off), 20K ne
- Expecting the stock market to crash soon? There seems to be lots of consensus that we're about due for a crash. Is it worth moving some funds out of the market and into something more stable for the short term? I've got most of my savings in Vanguard's Retirement 2050 fund, and while it's done well (~15% per year) the last couple of years,
- Why should I invest in anything other than BTC? The prudent investor should have something in h(is/er) portfolio to offset the risk and variance of BTC. Is risk/volatility it though? Are there no other fundamental (financial) reasons to avoid BTC? The fundamental factors I can think of work in BTC's favor: stimulus package, inflation effects in
- Ways to make some extra cash Generating side income either requires time (e.g. building systems that generate cash when you sleep), or money (investments). I'm an avid index fund investor, and I also have a risky part of my portfolio. Covid recession has treated me well, I'm well above 50%-60%, with a non-risky portfolio. I'm a
- vote Buy house or invest? Stats: 23, 1.5 yoe, and TC 200k I am pretty frugal and don’t spend much, currently saving around ~120k per year after taxes and living expense. I am wondering if I should invest my savings in the market, something like the 3 fund portfolio, or just total market, or small caps, etc. Or should I bu
- Debunking investment myths commonly seen on Blind Myth #1: The top hedge funds can't beat the market so surely you, an individual investor, can't either. Just buy index funds and take your 8%. Reality: Hedge funds aren't trying to beat the market because hedge fund managers don't get paid based on their funds performance, but rather on how much mo
- Investment advice in India I married last year and my wife is working in one of Microsoft/Linkedin/Adobe/GS/Oracle. Both of us are being paid well in our companies and with marriage our combined capacity to save has increased. We have been investing individually before marriage and are looking for ways to invest better. We a