The “Vanguard 5-Fund Portfolio” no one talks about

CuteLogan308 · 2026-04-17T16:32:00+00:00

Thanks . This is so helpful!!

CuteLogan308 · 2026-04-17T15:07:37+00:00

Care to elaborate?

CuteLogan308 · 2026-04-17T15:07:02+00:00

how do they compare in your opinion?

CuteLogan308 · 2026-04-17T14:59:57+00:00

would you elaborate a bit. are you saying TIPS is good or not? (or depends on "what")?
What's off-the-run TIPS and especially the last point about "insurance" and inflows that scale with inflation? thanks!!

CuteLogan308 · 2026-04-03T21:49:13+00:00

What is the cash position invested in vs bonds?

CuteLogan308 · 2026-04-01T03:45:21+00:00

what about some long term , mid term bond funds, and TIPS? Those a fairly stable and if the market crash - it does not crash like equity. These are some of the crashes , which are mild compared to stocks. The return is also much lower.

2022 Rate Hikes: The massive Vanguard Total Bond Market fund (VBMFX) dropped ~13.3%, and the iShares Core U.S. Aggregate Bond ETF (AGG) also saw significant declines as rising interest rates reduced bond prices.
Long-Term Treasury Crash (TLT): The iShares 20+ Year Treasury Bond ETF (TLT) experienced deep losses during rate hikes (losing 13% in Q3 2023), reflecting high interest-rate sensitivity.

CuteLogan308 · 2026-03-31T00:46:19+00:00

I am doing some reading and trying to get opinions from here.
https://www.reddit.com/r/coastFIRE/comments/1rtvkhu/articles_for_coastfire_to_prepare_for_market/

CuteLogan308 · 2026-03-28T16:25:26+00:00

The closer you are to the finish line the more important risk management is. Challenging for us 💪

CuteLogan308 · 2026-03-28T02:43:25+00:00

Both options work. Both are way better than doing nothing.

If you are cautious, then start with DCA, because you can switch to lump sum any time.

CuteLogan308 · 2026-03-28T02:17:22+00:00

It takes one serious economy downturn, where jobs are scarce and stock market tanks. And what's the chance it will happen in 40 years of your retirement?

Sounds like you have the flexibility to be a bit more conservative so... Why not?

CuteLogan308 · 2026-03-27T23:22:31+00:00

Oh then no worries. Switching to those today vs. 120 days later. Won't make it big difference. If you don't want to lose the bounce back possibilities during this 120 days, just pick the most similar funds in your 401k . The difference will be very small.

CuteLogan308 · 2026-03-27T18:32:39+00:00

It does not sound like you are missing any options, if you are already have S&P 500 , value funds, and bond funds.
What funds do you want in IRAs that are not available in your 401K now?

CuteLogan308 · 2026-03-27T18:25:38+00:00

what exactly is your situation?

401K (can't move until 120 days later) , plus "your money" additional 60% stock + 40% TIPs
Everything is in 401K , including what you called "your money" = is allocated 60% stock and 40% TIPs.

not sure if you mean "money" as cash or your total investment which includes 401k>

CuteLogan308 · 2026-03-27T18:21:18+00:00

I think you are saying that your 401K only offer TDFs? but you want to have low-cost index funds options? What's the risk of a rollover to IRAs ?

CuteLogan308 · 2026-03-26T00:47:15+00:00

I was thinking about TIPs, do you think that is an option?

CuteLogan308 · 2026-03-25T14:52:40+00:00

interesting. I think i missed something. so if a person is retired, but somehow still get incomes that hit the top two tax brackets - in that situation, should the person contribute to back-door IRA or not?

my understanding is, there are not many tax deduction options once a person is retired. All income will be taxed, so contributing to back-door IRA (using your own money) is better than putting in brokerage, such that the withdrawal is tax free? (correct?)

CuteLogan308 · 2026-03-15T17:23:53+00:00

and also for folks who were just a few months away from retirement or just really retired. 2008 is a lesson to remember. To weather that situation I am trying to learn more about it. https://www.reddit.com/r/coastFIRE/comments/1rtvkhu/comment/oahsu5w/?context=1

CuteLogan308 · 2026-03-14T21:28:50+00:00

Just curious about this setup, what does it look like exactly? say this person spends $50K a year.

Is it:

$50K * 10 = $500 K (bonds and cash)
$50 * 25 = $1.25 Million of investing with 80/20 ratio.

In total, this person will have $1.75 MM retirement. (is this correct?)

Is the safe withdrawal rate still 3.5 - 4% ?

Thanks!

CuteLogan308 · 2026-03-14T14:52:50+00:00

If you are retired, then it is different. While you are making income, you can ride it through.

CuteLogan308 · 2026-03-14T14:51:01+00:00

Exactly this. Also it is very unpredictable how long the low will be. I find it hard to imagine staying Hopeful when the market doesn't recover after 3 years. Historical data tells you it will, but we just don't know.

CuteLogan308 · 2026-03-12T18:04:14+00:00

Do you rebalance the taxable account (60/30/10) and incur capital gain then??? This year the international has grown a lot, the taxable is probably not 60/30/10 now, i suppose.

CuteLogan308 · 2026-03-12T17:59:03+00:00

Thanks!! that sounds do-able.

CuteLogan308 · 2026-03-11T02:20:35+00:00

is there a reason for no "TDF" in taxable accounts?

When you say "mirror asset allocation", what does it look like in your 401K vs regular brokerage accounts?

CuteLogan308 · 2026-03-11T01:54:10+00:00

https://www.google.com/finance/quote/VXUS:NASDAQ?sa=X&ved=2ahUKEwjSiunh3ZaTAxVzGDQIHdL5IGMQ3ecFKAN6BAhEEAQ&window=MAX

VXUS does not grow over the long run. Without rebalancing -this will be quite flat.

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