Retirement Funds

[aygart]

https://www.whitecoatinvestor.com/150-portfolios-better-than-yours/

check out #59

Do bonds really accomplish תחת ידך?

[gozalim]

Do bonds really accomplish תחת ידך?

it can be argued that liquid stock market can all be considered תחת ידך (relative to actual RE/biz assets)

[aygart]

it can be argued that liquid stock market can all be considered תחת ידך (relative to actual RE/biz assets)

Yes but then he is missing the other two thirds

[Fish Tank]

Thank you all for your input. I went with vanguard.

Now I need an account for my wife. Is there any benefit/downside to opening a "spousal IRA", as opposed to her just creating a separate account/login ?

Is it essentially the same thing?

[ShimshonK]

Thank you all for your input. I went with vanguard.

Now I need an account for my wife. Is there any benefit/downside to opening a "spousal IRA", as opposed to her just creating a separate account/login ?

Is it essentially the same thing?

https://www.investopedia.com/terms/s/spousal-ira.asp

[Joe4007]

I aim to allocate my roth IRA per the below. Note that:

- I'm an amateur so please do your own research before investing. Just figured it might be helpful to some.
- I see inflation as a bigger risk over the next decade than deflation. Some very smart people see the opposite in which case you'd want to invest differently.
- For allocations where there are multiple ETF's to choose from, I chose the lowest expense ratios.


- US Large Caps (VOO) = 35-40% (Perhaps allocate 10-15% to the equal weight index (RSP))
- US Small Caps (VTWO) = 10-15%
- Emerging Markets (IEMG) = 15% (Consider allocating 3% to India (split between large caps (EPI) and small caps (SMIN)))
- Bitcoin (GBTC) = 5%
- Gold Bullion (GLDM) = 5%
- Gold Miners (GDX) = 5%
- Commodity Complex (BCI) = 5% (Perhaps allocate some to equities in this space (GUNR?)).
- Fixed Income = 10%
- Misc plays = 5%

[Der Deutsche Jude]

I aim to allocate my roth IRA per the below. Note that:

- I'm an amateur so please do your own research before investing. Just figured it might be helpful to some.
- I see inflation as a bigger risk over the next decade than deflation. Some very smart people see the opposite in which case you'd want to invest differently.
- For allocations where there are multiple ETF's to choose from, I chose the lowest expense ratios.


- US Large Caps (VOO) = 35-40% (Perhaps allocate 10-15% to the equal weight index (RSP))
- US Small Caps (VTWO) = 10-15%
- Emerging Markets (IEMG) = 15% (Consider allocating 3% to India (split between large caps (EPI) and small caps (SMIN)))
- Bitcoin (GBTC) = 5%
- Gold Bullion (GLDM) = 5%
- Gold Miners (GDX) = 5%
- Commodity Complex (BCI) = 5% (Perhaps allocate some to equities in this space (GUNR?)).
- Fixed Income = 10%
- Misc plays = 5%

Nice!

Just curious why you decided yo go with VTWO over SCHH for small cap. I understand they don't track the same index, but they are both broad small-cap  ETFs'.

[Fish Tank]

https://www.investopedia.com/terms/s/spousal-ira.asp

Thank you. Basically it's an IRS thing. Not a vanguard thing.

[Joe4007]

Nice!

Just curious why you decided yo go with VTWO over SCHH for small cap. I understand they don't track the same index, but they are both broad small-cap  ETFs'.

SCHH is a REIT ETF.

[Der Deutsche Jude]

SCHH is a REIT ETF.

true. Meant to write SCHA

[Cat18]

Put quite a bit of $ into VWNEX, VWENX, VSMAX years ago without much thought.

Now I'm wondering if these 3 holdings are diversified enough for the long run or should I sell 1 of these (VWNEX or VWENX) and put the $ into something else.

Haven't done this before because I didn't want to get hit with capital gains tax, and figured that it's not worth paying out all that the money just for diversification (& perhaps one with a better return).

[ShimshonK]

[sruly101]

Hi,

I just started a IRA account and will start a 401K as well, as of now I’m not in the “investing” business and I’m not interested in being busy with it.

Where should I invest the money for it to sit till retirement?
I’m not interested in taking big risks, and I’m in my low 30s (if it matters)

Thank Much

[Abey]

Hi,

I just started a IRA account and will start a 401K as well, as of now I’m not in the “investing” business and I’m not interested in being busy with it.

Where should I invest the money for it to sit till retirement?
I’m not interested in taking big risks, and I’m in my low 30s (if it matters)

Thank Much

the simplest answer? SPY. more nuanced answer you need to do a little research…

[ShimshonK]

Hi,

I just started a IRA account and will start a 401K as well, as of now I’m not in the “investing” business and I’m not interested in being busy with it.

Where should I invest the money for it to sit till retirement?
I’m not interested in taking big risks, and I’m in my low 30s (if it matters)

Thank Much

the simplest answer? SPY. more nuanced answer you need to do a little research…

I think a target date fund is simplest, best option for you.

[sruly101]

the simplest answer? SPY. more nuanced answer you need to do a little research…

Hi,

Thanks much, is SPY the same idea as good as VOO?

[sruly101]

I think a target date fund is simplest, best option for you.

Hi,

Thanks, can you give me an example of one?

[Abey]

Hi,

Thanks much, is SPY the same idea as good as VOO?

yes

[Yehuda57]

Hi,

Thanks, can you give me an example of one?

i would add
https://investor.vanguard.com/mutual-funds/target-retirement/#/

[sruly101]

Hi,

Thanks, so from what I understand is to split the money into VOO and a vanguard Target Retirement Fund, correct?

Do you have the code for the/good vanguard Target Retirement Fund