Other than short term cash, total return bond fund portfolios can replace individual holdings of various intermediate bond funds. These portfolios can be treated as the core fixed income holdings in one’s overall investments.
We use various periods of rolling returns to walk through our representative tactical portfolio and try to experience the feels in the past. This can help us to better understand the nature of a strategy.
asset_chaos wrote: ↑Sun Mar 17, 2024 8:16 pm I clearly don't understand how this is reported. How does total world (vtwax) have 90% foreign income and 80% qualified dividends, per the 1099 I got for total world? OP meant VFWAX, check the image.
tashnewbie wrote: ↑Mon Mar 18, 2024 2:27 pm If his 401k and the target date fund have low expenses, I would probably invest more in that, above the match. He makes too much to deduct Trad. IRA contributions, so no reason to do that. He may even be ineligible to make direct Roth IRA contributions […]
Wiggums wrote: ↑Mon Mar 18, 2024 2:41 pm We are retired. We pull from our Roth as a last resort unless we need tax free money. Why? Because we want our Roth to grow tax free as long as possible. We spent down our emergency fund down to zero once. We then used our cash […]
MoneyIsTime wrote: ↑Mon Mar 18, 2024 2:15 pm 1) Can I retire? This is my main question. You have $3.2M in retirement assets. If they were invested per your desired AA, that would be 60% stocks, 20% bonds, and 20% cash. You're asking if you can retire now at 59.5 and that your family has […]