Comments on: I Changed My Roth IRA Asset Allocation http://amateurassetallocator.com/2009/07/08/roth-ira-asset-allocation/ Amateur Asset Allocator Tue, 22 May 2012 02:58:13 +0000 hourly 1 http://wordpress.org/?v=3.2.1 By: Peter http://amateurassetallocator.com/2009/07/08/roth-ira-asset-allocation/comment-page-1/#comment-15432 Peter Fri, 20 May 2011 14:30:43 +0000 http://amateurassetallocator.com/?p=1905#comment-15432 While I agree that around 10% of assets should fall under real estate, do you feel that the heavy real estate weighting in both the small cap index and small cap value index warrant a trimming of the REIT index? To about 5% perhaps? While I agree that around 10% of assets should fall under real estate, do you feel that the heavy real estate weighting in both the small cap index and small cap value index warrant a trimming of the REIT index? To about 5% perhaps?

]]> By: Jim http://amateurassetallocator.com/2009/07/08/roth-ira-asset-allocation/comment-page-1/#comment-8554 Jim Fri, 16 Apr 2010 17:56:31 +0000 http://amateurassetallocator.com/?p=1905#comment-8554 Enjoy your site and blogs and have read most of the same books you have! I also think your asset allocation above is pretty nice. While you don't currently have any commodities exposure, Vanguard's precious metal fund is a nice way to get some of that (VGPMX). You'd probably want to keep the exposure low. I like it because you get a broad basket of metals rather than simply gold and the dividend is pretty tasty. Perhaps future iterations of your portfolio will include that. Keep up the good blogging. Enjoy your site and blogs and have read most of the same books you have! I also think your asset allocation above is pretty nice. While you don’t currently have any commodities exposure, Vanguard’s precious metal fund is a nice way to get some of that (VGPMX). You’d probably want to keep the exposure low. I like it because you get a broad basket of metals rather than simply gold and the dividend is pretty tasty. Perhaps future iterations of your portfolio will include that. Keep up the good blogging.

]]> By: Ethan http://amateurassetallocator.com/2009/07/08/roth-ira-asset-allocation/comment-page-1/#comment-7528 Ethan Wed, 03 Mar 2010 23:54:40 +0000 http://amateurassetallocator.com/?p=1905#comment-7528 Oh, and if you were purely pursuing Swedroe's goal you would want a currency-hedged fund. On the other hand if you aren't happy with your overall currency exposure, this is as good a place as any to add some. Oh, and if you were purely pursuing Swedroe’s goal you would want a currency-hedged fund. On the other hand if you aren’t happy with your overall currency exposure, this is as good a place as any to add some.

]]> By: Ethan http://amateurassetallocator.com/2009/07/08/roth-ira-asset-allocation/comment-page-1/#comment-7527 Ethan Wed, 03 Mar 2010 23:52:32 +0000 http://amateurassetallocator.com/?p=1905#comment-7527 Larry Swedroe mentions foreign short-term bonds in the context of combining them with domestic short-term treasuries purely for the imperfect correlation. Even though the standard deviation of short-term treasury instruments is already very, very low, he notes that pairing them with foreign instruments can lower the combined deviation even further. Seems a pretty minor tweak, and it's true that Vanguard doesn't offer a solution there. But when you do this for a living and have access to DFA funds, I suppose you end up tweaking things at this level, eventually. Larry Swedroe mentions foreign short-term bonds in the context of combining them with domestic short-term treasuries purely for the imperfect correlation. Even though the standard deviation of short-term treasury instruments is already very, very low, he notes that pairing them with foreign instruments can lower the combined deviation even further.

Seems a pretty minor tweak, and it’s true that Vanguard doesn’t offer a solution there. But when you do this for a living and have access to DFA funds, I suppose you end up tweaking things at this level, eventually.

]]> By: Kyle http://amateurassetallocator.com/2009/07/08/roth-ira-asset-allocation/comment-page-1/#comment-6302 Kyle Tue, 08 Dec 2009 19:04:53 +0000 http://amateurassetallocator.com/?p=1905#comment-6302 As an asset class, the only advantage I can see international bonds really offering is currency exposure. But I already have currency exposure through my foreign stocks funds, so I don't feel the need to own foreign bonds as well. I suppose they wouldn't hurt, but I see no real need to own them. As an asset class, the only advantage I can see international bonds really offering is currency exposure. But I already have currency exposure through my foreign stocks funds, so I don’t feel the need to own foreign bonds as well. I suppose they wouldn’t hurt, but I see no real need to own them.

]]> By: Sean K http://amateurassetallocator.com/2009/07/08/roth-ira-asset-allocation/comment-page-1/#comment-6301 Sean K Tue, 08 Dec 2009 15:05:36 +0000 http://amateurassetallocator.com/?p=1905#comment-6301 Any thoughts on adding a international bond fund such as RPIBX? I would like exposure to this asset class and currently I can't get it through Vanguard. Any thoughts on adding a international bond fund such as RPIBX? I would like exposure to this asset class and currently I can’t get it through Vanguard.

]]> By: CaramelSmoothie http://amateurassetallocator.com/2009/07/08/roth-ira-asset-allocation/comment-page-1/#comment-5454 CaramelSmoothie Thu, 24 Sep 2009 18:20:31 +0000 http://amateurassetallocator.com/?p=1905#comment-5454 Right now, my Roth IRA is only in the Vanguard Mid-Cap Value Index Fund Investor Shares (VMVIX). I opened it 2 years ago maxing it out each year. I am an amateur investor and like you, I have a high tolerance for risky volatile allocations and will be divvying my account up among several of the Vanguard high risk funds. I figure since I am 30 years away from retirement, I can stomach it. Right now, my Roth IRA is only in the Vanguard Mid-Cap Value Index Fund Investor Shares (VMVIX). I opened it 2 years ago maxing it out each year. I am an amateur investor and like you, I have a high tolerance for risky volatile allocations and will be divvying my account up among several of the Vanguard high risk funds. I figure since I am 30 years away from retirement, I can stomach it.

]]> By: RateNerd http://amateurassetallocator.com/2009/07/08/roth-ira-asset-allocation/comment-page-1/#comment-4378 RateNerd Sun, 12 Jul 2009 01:42:06 +0000 http://amateurassetallocator.com/?p=1905#comment-4378 Any thoughts on long-short mutual funds? Any thoughts on long-short mutual funds?

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