Cash investments are the final frontier in low cost investing. Banks and/or brokerages, acting as middlemen, have charged extremely high fees traditionally. Roughly speaking,their fees can be from 1% to 3%. This has not come under much public scrutiny. However, with some effort, investors can completely eliminate fees or lower fees considerably.
We compare returns of foreign stocks with US stocks. We also look at how global allocation funds have performed and draw some insight from this year’s experience.
Given the current investment environment, it’s pertinent to revisit the invest and speculate combined strategy. Looking ahead, we will certainly encounter a bear market or a deep correction one day. This strategy presents a sensible, pragmatic and intuitive way to deal with an unruly stock market.
Diversified Asset Allocation Portfolios For Your Plans
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 […]