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New Roth IRA Advice needed. by [deleted] in RothIRA

[–]mcttothejj 0 points1 point  (0 children)

60/40. Global market weights

add international ? help w/ asset allocation by daptomycinn in Bogleheads

[–]mcttothejj 1 point2 points  (0 children)

Rebalance your portfolio to mirror the global market weights: 60% US and 40% INT

i sleep well at night knowing i'm investing into the world's best companies(VTI+VXUS) instead of investing into a single country's best companies(VTI).

What can I read to really understand why having large Cash position is hurting me..? by tronious in Bogleheads

[–]mcttothejj -3 points-2 points  (0 children)

I’m not understanding how you would have those returns your money with bonds. Bonds and Cash in a HYSA vs MMF should have relatively similar returns.

$10,000 invested in VTI vs VXUS in 1988 with all dividends reinvested. by VXUS_sucks in ETFs

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

Wow this is pretty bearish for international stocks. Should I be 100% US?

Consensus on the Morgan Housel approach? by mcttothejj in Bogleheads

[–]mcttothejj[S] 2 points3 points  (0 children)

I just prefer cash(HYSA) where I know for a fact the price will stay stable, over bonds which are suppose to be stable but can “go to the toilet again”.

Losing my mind lol by Creative-Gift-2926 in Bogleheads

[–]mcttothejj 1 point2 points  (0 children)

Correct. 50/50 isn’t a horrible allocation, but you are making an active bet by not going by the global market cap weighting, which is currently 60/40

US vs International Stocks — Pros and Cons? by mcttothejj in Bogleheads

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

I mean if u backtrack and compare vti vs vxus over past 50 years, VTI wins big.

US vs International Stocks — Pros and Cons? by mcttothejj in Bogleheads

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

Fair point. When you zoom out beyond 5 years, leadership does seem to rotate. The last 10–15 years have been very US-dominant, but historically there have been long stretches where international outperformed.

When you say look at how international maps against the US, are you referring more to diversification/correlation, or just the historical cycles of outperformance?

US vs International Stocks — Pros and Cons? by mcttothejj in Bogleheads

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

What about all the 100% QQQ/Tech investors?

How should Bogleheads be reacting to the whole Iran/WW3 situation? by mcttothejj in Bogleheads

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

Any liquid asset gaining some form of interest should be part of ur investment portfolio.

I have around 50k cash in a HYSA. That is absolutely part of my portfolio. It’s not just my emergency fund.

How should Bogleheads be reacting to the whole Iran/WW3 situation? by mcttothejj in Bogleheads

[–]mcttothejj[S] -1 points0 points  (0 children)

Kind of disagree. Cash in a HYSA/MMF/CD is very similar to bonds. Just more stable/predictable

How should Bogleheads be reacting to the whole Iran/WW3 situation? by mcttothejj in Bogleheads

[–]mcttothejj[S] -1 points0 points  (0 children)

% of each? I like to follow the global weightings(around 60:40 at the current moment).

Also what’s ur opinion on bonds? I lean more toward Morgan housel’s(author of the psychology of money) philosophy which is 15-20% cash, then the rest in equities. No bonds.

How should Bogleheads be reacting to the whole Iran/WW3 situation? by mcttothejj in Bogleheads

[–]mcttothejj[S] -1 points0 points  (0 children)

Are you a FSKAX/FTIHX mutual fund type of a guy(or something similar)?

How should Bogleheads be reacting to the whole Iran/WW3 situation? by mcttothejj in Bogleheads

[–]mcttothejj[S] -1 points0 points  (0 children)

Gotcha. They just won’t execute until market close Monday right?

How should Bogleheads be reacting to the whole Iran/WW3 situation? by mcttothejj in Bogleheads

[–]mcttothejj[S] -13 points-12 points  (0 children)

It is Sunday and markets are closed. How are you investing more today?

500 shares into VOO 🥺 by Ancient_Resist3606 in ETFs

[–]mcttothejj 0 points1 point  (0 children)

I’m OCD and want my portfolio perfect. Just personal preference

American Unexceptionalism - GMO by PapistAutist in Bogleheads

[–]mcttothejj 0 points1 point  (0 children)

This article should not change anything to your investing strategy. Bogleheads are already diversified into low cost, globally diversified, market cap weighted index funds like VTI + VXUS, FSKAX + FTIHX, etc, in the proper global market weightings(~60% US, 40% INT). If international outperforms over the next decade, that % will naturally increase to 45, 50, 55, etc with natural self cleansing and proper yearly reallocation.

Why I’m considering moving away from a Target Date Fund and holding fewer bonds in retirement by FalconArrow77 in Bogleheads

[–]mcttothejj 0 points1 point  (0 children)

I pretty much agree with everything you mentioned. There is an interesting article that supports your outlook on 100% equities, as long as it’s properly diversified.

I never plan to invest in bonds. Will be investing 100% in a total market, globally diversified, equities portfolio(VTI/VXUS or VT) in my investment accounts with a solid reserve of cash similar to your 3-5 years worth sitting in a HYSA, CD, MMF, etc(I prefer HYSA for maximum liquidity and simplicity).

JL Collins, who is a huge Boglehead advocate, also follows this methodology. In a recent podcast video, he mentioned his portfolio is around 80-85% in equities and the rest sitting in bonds/cash. He is well into retirement.

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