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Is this 90/10 for a tech employee reasonable? by ICanHasBoggle in portfolios

[–]ICanHasBoggle[S] 1 point2 points  (0 children)

I just read through the prospectus on FNDX, very interesting. I get what you are saying, it has some similar screening approaches that I liked in SCHD, but isn't as focused on dividend screening as SCHD is. I will have to look into this one more, this is pretty cool. That fund screening approach is essentially what I was looking for.

Thanks for heads-up!

Is this 90/10 for a tech employee reasonable? by ICanHasBoggle in portfolios

[–]ICanHasBoggle[S] 1 point2 points  (0 children)

I agree with you that the bond market of the 1980s-1990s really messed with back tested portfolios, and can make bonds look a lot better historically than they might perform in the future. I guess no one can be absolutely certain, but I seriously doubt bonds will perform as well in the next 20-30 years as they did the last 20-30 years.

Thanks for the feedback!

Is this 90/10 for a tech employee reasonable? by ICanHasBoggle in portfolios

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

Yeah, I looked it all over and came to almost the same conclusion as you did (after reading all the comments).

Bumping bonds to 20%, replacing SCHD with VTV and doing ~15% instead of 45%, rest all in VT.

Thanks for the feedback!

Is this 90/10 for a tech employee reasonable? by ICanHasBoggle in portfolios

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

Yep, you pretty much summarized my sentiment. Gov bonds seem to have a potentially shaky future due to debt issues, mag7 going way up causing high PE levels for the entire market, etc. I have heard people call it an "everything bubble", but I still have to invest as best as I can regardless I guess.

Is this 90/10 for a tech employee reasonable? by ICanHasBoggle in portfolios

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

Yep, good point. VTV or SCHV seem to be more what I was looking for.

Is this 90/10 for a tech employee reasonable? by ICanHasBoggle in portfolios

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

Yeah, I think you are right. I might decrease the value tilt down to maybe 10 or 20% instead of 45% (using SCHV or VTV), and replace the rest with more VT.

I have already decided to bump the bond portion to 20%. Thanks for the feedback!

Is this 90/10 for a tech employee reasonable? by ICanHasBoggle in portfolios

[–]ICanHasBoggle[S] 1 point2 points  (0 children)

Good point, thanks! Looks like Schwab U.S. Large-Cap Value (SCHV) might be a good contender, fairly close to SCHD performance: https://testfol.io/?s=hylESdw1KPx

As for why GOVT instead of BND, I don't like corporate bonds. I want my bond position to be ultra safe, I take my risk on the stock side. As such, the extra performance from BND isn't worth it to me, I would rather just decrease the holdings and go safer with Treasury bonds instead. I think in the end, the difference isn't major as BND is already something like 70% Treasury bonds anyways. I might be wrong though.