I’ve received a few emails asking about my personal IRA allocation. As my balance grows larger, I will probably add another asset class or two such as foreign small/mid value and maybe some commodities exposure. In any event, I’ve kept things fairly simple. Here goes…
- 10% Vanguard 500 Index fund (VFINX)
- 10% Vanguard Value Index fund (VIVAX)
- 10% Vanguard Small Cap Index fund (NAESX)
- 10% Vanguard Small Cap Value Index fund (VISVX)
- 10% Vanguard REIT Index fund (VGSIX)
- 10% Vanguard Total Bond Market Index fund (VBMFX)
- 20% Vanguard Total International Index fund (VGTSX)
- 20% Vanguard International Value fund (VTRIX)
Notice that with the exception of the International Value fund, my Roth IRA portfolio is completely indexed. The reason for the inclusion of the actively manged International Value fund is that, sadly, Vanguard has no indexed option for this asset class. But with a low (for an actively-managed fund) expense ratio of 0.41%, I feel fairly comfortable getting my international large-cap value exposure here. Needless to say, I will swap it out for an index fund if Vanguard ever feels fit to launch one. What do you think? Any suggestions or comments?
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3 responses so far ↓
1 Are REITs a Buy? | Amateur Asset Allocator // Feb 13, 2008 at 8:24 pm
[...] in a multi-asset-class long-term portfolio. As you may know, I maintain a 10% REIT stake in my Roth IRA as part of my long-term asset allocation. I will stay the course and continue rebalancing [...]
2 Weekend Link Love And Carnival Roundup - 5.3.08 | Amateur Asset Allocator // May 4, 2008 at 10:38 am
[...] Can I Get Rich On A Salary talks about the glamorous world of Angel Investing. While the returns are enticing (they averaged 27% per year from 1990-2007 according to the article), the risks are large. Perhaps I would engage in angel investing if I had a few million I was willing to gamble with, but for now I think I’ll stick with my more traditional portfolio. [...]
3 Book Review: Unconventional Success by David F. Swensen | Amateur Asset Allocator // Sep 1, 2008 at 1:44 pm
[...] of modern portfolio theory and deserves a place in every investor’s investment library. While my portfolio more or less corresponds with Swensen’s teachings already, I did pick up a few interesting [...]
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