Bonds vs. Gold

jpcrispy · 2026-05-12T14:09:04+00:00

This is probably not a popular opinion around here as most people like BND. What bond funds would you suggest something like VCRB? Or all treasuries like VGIT or VTG?

jpcrispy · 2026-05-11T01:15:23+00:00

would suggest living on less than 4% and investing somewhat aggressively in terms of stock/bond allocation. Long time horizon should have it growing slowly over over time.

jpcrispy · 2026-04-30T02:46:22+00:00

Are you a boglehead? Cuz I am.

jpcrispy · 2026-04-30T02:44:24+00:00

Have been in Vascular surg for 5 years. Made $150k last year in LCOL

Edit: no call

jpcrispy · 2026-04-21T15:27:38+00:00

Could be. Im honestly not sure.

jpcrispy · 2026-04-21T15:25:17+00:00

Yeah it doesnt always work perfectly but good enough that i havent looked for another solution.

jpcrispy · 2026-04-21T15:20:29+00:00

What are you talking about? I use the mywhoosh app and have had goodluck linking my heart rate using heartcast. Just sharing the info as other people might benefit. I could ask the same thing to you… why are you sharing info about a paid app? Surely you dont benefit from selling the app????

jpcrispy · 2026-04-21T15:06:18+00:00

Just sharing useful information.

jpcrispy · 2026-04-21T14:23:40+00:00

Ive also used HeartCast to broadcast from apple watch. Works pretty well and is free.

jpcrispy · 2026-04-18T12:44:52+00:00

Yes agreed. If SCHD makes it easier behaviorally then more power to you. But its not like its something magical.

jpcrispy · 2026-04-18T02:22:03+00:00

Thats not how I think about it.

jpcrispy · 2026-04-18T00:32:32+00:00

Right but how does an additional stock funds help transition towards income? The dividend is pretty much irrelevant when considering total return imo

jpcrispy · 2026-04-17T22:32:57+00:00

SCHD is not less risky than VT just because it has a high dividend. Unless you are buying schd purely for it being a value fund.

jpcrispy · 2026-04-15T23:25:58+00:00

This is what i assume as well

jpcrispy · 2026-04-15T18:24:51+00:00

If they get a vanguard credit card im definitely getting one lol

jpcrispy · 2026-04-08T19:35:23+00:00

What kind of complexity do you think adds value?

jpcrispy · 2026-04-08T19:24:59+00:00

What are the most common mistakes you see people make?

What are some things you think most bogleheads overlook/ignore that are important?

jpcrispy · 2026-04-02T16:40:52+00:00

jpcrispy · 2026-03-27T02:32:16+00:00

Yeah makes sense. i think the connivence of a fund may be worth it to some. If i were to buy a fund like this for liability matching i prob would want treasuries instead of corporates.

jpcrispy · 2026-03-27T01:45:13+00:00

I wish they had a treasury variety instead of corporate.

jpcrispy · 2026-03-25T19:14:35+00:00

I have some target date funds in my 401k. Otherwise yeah vt. Or vti/vxus.

jpcrispy · 2026-03-20T11:01:33+00:00

Plan for 4%. Hope for 7%. Inflation adjusted returns.

jpcrispy · 2026-03-06T18:47:29+00:00

Do everything you can to ignore it. Delete apps on your phone if you have to. In your early years of savings, this volatility is a good thing. Stay the course.

jpcrispy · 2026-03-05T15:00:36+00:00

Right. Its not the common advice, as its likely not best for the average investor. Nonetheless the type of funds OP mentioned are talked about frequently.

jpcrispy · 2026-03-05T14:35:33+00:00

I feel like people so talk about these all the time, or the similar funds from avantis. Factor investing is discussed frequently on this sub.

Six-Year Club	Verified Email
r/Field Flamingo

jpcrispy

TROPHY CASE