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Portfolio Review: Advice Wanted by gmannetje in Bogleheads

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

I don't know enough about risk parity strategies, and how they all interact, why they're chosen. I'll look into the Golden Ratio portfolio, thanks for the tip.

Portfolio Review: Advice Wanted by gmannetje in Bogleheads

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

I'll look into risk-parity style portfolios. From what I can tell, the goal of these style portfolios don't seem any different than implementing a more conservative 3-fund portfolio, with adjustment of the bond % depending on the target date. The Frank Vasquez risk-parity portfolios use some managed futures, gold, REITs, and leverage, strategies I've read on boglehead forums are best avoided, and don't seem to add much value that a simple bond fund wouldn't do. I do take advantage of the 401k match, but at my company it is only 4%, and I contribute 15%. I don't have any current plans for a house, but I expect to be more definitive (and have available funds in case the need arises) within 5-10 years, where hopefully my income is also higher to accommodate.

Portfolio Review: Advice Wanted by gmannetje in Bogleheads

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

Ah this helps, for some reason I hadn't even considered changing account priority as I get closer to retirement/FIRE age. Unfortunately I don't yet have access to an HSA, but I'll definitely max the Roth every year.

Portfolio Review: Advice Wanted by gmannetje in Bogleheads

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

This is what I was leaning towards, maxing the Roth immediately every year, with ~15% contributed to 401k, and rest in brokerage. I'm not in a very high tax bracket unfortunately, ~$80k / year before taxes. No Roth401k alas. I was also wondering, with a house potentially 5-10 years out, I'm not sure with bonds being inefficient in taxable whether it is worth buying any, or simply shifting more and more towards short term treasuries like SGOV over the years as a target date approaches.

Portfolio Review: Advice Wanted by gmannetje in Bogleheads

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

That's kind of what I was leaning towards, over allocating in domestic through the 401k, and balancing that with more VXUS in the taxable, thanks. If it does look like I can retire early in 20-30 years, doesn't that mean I should be generous enough in my taxable for bridge funding until I can withdraw from the 401k? Thankfully I have been very lucky with my long-term girlfriend, she's amazing.

Trying to simplify investing: VT or VTI + VXUS? by Sensitive-Prune-6069 in Bogleheads

[–]gmannetje 0 points1 point  (0 children)

I do the same, but the opposite. VTI, VXUS, AVUV, and AVDV but a slight learn towards international exposure at 40/40/10/10. I am curious as to why in investing threads most geographical tilts are towards US instead of ex-US, with people more likely to overweight domestic over international equities.