KaizenKings wrote: ↑Mon Feb 11, 2019 2:58 pmKbg wrote: ↑Fri Jan 04, 2019 4:54 pm Well I'll be a little more to the point for a starter PP implemented by using ETFs:
Long Treasuries: SPTL or TLT
Short Treasuries/Cash: VGSH, SHV, BIL or a savings account/CD at a bank (any of these will be fine for your cash)
Gold: SGL
Stocks: VTI
25% each, rebalance annually or when one gets to 20% or 30%.
M1 Financial is basically a free brokerage and has the capability to put the whole thing on autopilot for you.
Once you get more knowledge under your belt by reading some of the key posts here, you can branch out to actual treasury bonds, bullets vs. barbells for bonds, physical gold, various cash management approaches, tax/account type strategies and several rebalancing strategies you can study up on.
For sure all the questions raised earlier about your specifics are completely on point and humans love to dissect and tinker with the basic machine (lots of that here), but a do it now and make it easy for me PP, there you have it.
Ok thanks for the help guys.
I do have a Roth 401k and Roth account at my job. I save 15% of every check in it. I do receive a employer match. Currently, these are the options offered by Voya (the admin company in charge of the 401ks etc)
STABILITY OF PRINCIPAL
4062 Voya Fixed Account (4062) 0%
BONDS
0898 Vanguard Total Bnd Mrkt Ind F Adm
6081 Western Asst Core Bond Fund Is
6589 PGIM High Yield Fund R6
ASSET ALLOCATION
1971 American Funds 2010 Tdate R6
1973 American Funds 2015 TDate R6
1975 American Funds 2020 TDate R6
1977 American Funds 2025 TDate R6
1979 American Funds 2030 TDate R6
1981 American Funds 2035 TDate R6
1983 American Funds 2040 TDate R6
1985 American Funds 2045 TDate R6
1987 American Funds 2050 TDate R6
1989 American Funds 2055 TDate R6
9639 American Funds 2060 TDate R6
BALANCED
7027 American Funds Am Balancd R6
LARGE CAP VALUE
0899 Vanguard 500 Index Fund Adm
1990 American Funds Wash Mtual R6
LARGE CAP GROWTH
3665 MFS Growth Fund R6
7577 TRowePrc Blue Chip Growth Fund I
SMALL/MID/SPECIALTY
0756 Vanguard Mid-Cap Index Fund Adm
0757 Vanguard Small-Cap Index Fund Adm
1438 DFA Real Estate Securities Port Inst
GLOBAL/INTERNATIONAL
1723 American Funds EuroPacific R6
1960 American Funds CapWld G&I R6
3491 American Funds New World R6
9889 Vanguard Total Intl Stk Index Fd Adm
C380 MFS Intl Diversification Fnd R6
They currently just moved the entire company to Voya. They have me 100% in 1987 American Funds 2050 TDate R6 (target retirement date asset allocation). I am looking to change of course.
Using the Permanent Portfolio mentality, I would like to put 15% into the Vanguard 500 Index Fund and then put 5% into the Global/International Vanguard Total Intl Stk Index Fd Adm. This would cover the 20% stocks (5% international optional).
Maybe keep the other 80% in the target fund and hit the other aspects of the portfolio outside of the 401K?
Maybe look into M1?
Anyone out there?