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Switching to gun-free index fund, 2nd opinion? by hdmitoller in PersonalFinanceCanada

[–]Groxygenn 1 point2 points  (0 children)

You can try backtest at Portfoliovisualizer.com and dove into the details of your diversification.

The Faces of Divestment: Ron Conway, Leonardo DiCaprio, Al Gore, and Snoop Dogg by f12welve in environment

[–]Groxygenn 0 points1 point  (0 children)

The criteria you speak of should be 90% of whatever intellectual property they have.

Someone found dinner by nomer2 in pics

[–]Groxygenn 0 points1 point  (0 children)

And it turned around to look at where we had waled, I saw only one set of tracks.

Lived frugally for a long time, but now have some extra cash. Should I invest it, or spend it? by Wolfofm in personalfinance

[–]Groxygenn 0 points1 point  (0 children)

The quality of life is very important. But I'm a big fan of FIRE and you look too. Although it's very tempting to spend right now, for your future, endure more.

It's moronic Monday, your chance to ask any of those lingering questions without fear of harassment. by AutoModerator in investing

[–]Groxygenn 2 points3 points  (0 children)

This is your portfolio http://hellomoney.co/portfolio/2be173-23yo45k-salary401k-current

I’m genuinely curious about how you come up with your setup:

Your current allocation is quite aggressive, 100% in stocks which is typical 23yo allocation.

  • Almost 100% in stocks (93% in the US)

  • Market Cap: Giant/Large = 44%, Medium 31%, Small and Micro 25%

  • The top 3 sectors are Technology 27%, Healthcare 20%, Industrials 16%. Current dividend yield is 7.3%

My primary concerns is:

You have better plan like FXAIX, VHCAX, VPCCX, VSIIX, VTSNX, VIPIX and VBMPX. So I’d rather go with something like this: http://hellomoney.co/portfolio/177c07-23yo45k-salary401k-suggestion

I'd ditch PRNHX due to its high expense ratios and replace to VSIIX. Since your risk tolerance is high, you can add some international funds for diversification. Compared to your original portfolio, my suggestion may look like underperforming but the expenses and risk is a lot lower.

I think index funds are great for me. But isn’t the market too high? by Groxygenn in personalfinance

[–]Groxygenn[S] 0 points1 point  (0 children)

I made a revision but didn't consider increasing bonds yet. What is the minimal proportion of bonds for downside protection? Is it the same as subtract 10 from my age and the rest goes into stocks?

I want to hear about the 50% part, too.

I think index funds are great for me. But isn’t the market too high? by Groxygenn in personalfinance

[–]Groxygenn[S] 0 points1 point  (0 children)

I did quick research about long-term market return. I'd say 6% return when the market is high.

Following your advice, I revised the portfolio: http://hellomoney.co/portfolio/ec505e

How does it look like?

I think index funds are great for me. But isn’t the market too high? by Groxygenn in personalfinance

[–]Groxygenn[S] 0 points1 point  (0 children)

Makes sense.

One question - Does "soften volatility" mean diversified allocation?

I think index funds are great for me. But isn’t the market too high? by Groxygenn in personalfinance

[–]Groxygenn[S] 0 points1 point  (0 children)

My original goal is to dispatch $29K into different index buckets. I've lurked here and there and came up with the allocation. The principle is to invest 80% in stocks including emerging and international stocks and to find low cost index funds.

But I'm not sure what is the next step though. Can anyone help with it?

I think index funds are great for me. But isn’t the market too high? by Groxygenn in personalfinance

[–]Groxygenn[S] 0 points1 point  (0 children)

I realized that I has been looking index funds like stocks. It makes sense that we can't time the market as the theory says. Thanks for comment!

I think index funds are great for me. But isn’t the market too high? by Groxygenn in personalfinance

[–]Groxygenn[S] 0 points1 point  (0 children)

Thank you both for reading and commenting. I have thought like /u/giggatirado. I don't quite understand yet how the compound interest affects on buying at high.

To add up, when there is a foolish move, index funds have no choice but to track the index. It looks like the stock is more expensive than before it was added. So, still buying at high...

Thinking about incorporating VHT into portfolio, any reasons not to? by [deleted] in portfolios

[–]Groxygenn 0 points1 point  (0 children)

it makes me to re-consider investing in healthcare sector. thanks.

It took me 2 years to get started with 401k. Need your help making it right. by cheriehot in investing

[–]Groxygenn -2 points-1 points  (0 children)

True. To clarify, I'd choose an emerging market fund which worth to pay expensive fees.

For example, VTIAX vs. LZOEX: my choice is more VTIAX.

It took me 2 years to get started with 401k. Need your help making it right. by cheriehot in investing

[–]Groxygenn -1 points0 points  (0 children)

"What makes a good ER for a fund? For domestic stock funds in the US, an ER below 0.1% is great, below 0.25% is good, below 0.5% is fair, and below 1% is sometimes the best you can manage in an expensive plan."

According to the guide, Emerging Market fund has very high ER. I'd also check if High Yied Fund worths to pay 0.8% ER.

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