Any of the total international funds that are identified in the Wiki under 3-Fund Portfolio will do:1. What would be good a good international index/etf to look at it? and what account would you put it in?
Vanguard Total International Stock (VXUS)
Schwab International Index (SWISX)
Fidelity Total International Index (FTIHX)
There should be no penalties (typical for holding a fund less than 30 days) nor tax-consequences (moving funds around in an IRA is a non-taxable event).2. I saw your recommendations of moving everything into Total Market ETF/Index, but wanted to make sure I would not be penalized for selling funds and buying Total Market funds.
One does not be "play" more aggressive through fund selection, but rather through an Asset Allocation (AA) that has more stock than bonds (100/0 is as aggressive as it gets, short of using derivatives). Your original post said: Desired Asset allocation: 95% stocks / 5% bonds, so the proposed fund selection and placement I suggested is to meet a 95/5 AA while adhering to tax-efficient fund placement. Perhaps you mean to change your desired AA from 95/5 to 100/0, but that's a more fundamental decision about how much stocks and how much bonds, and less so about specific fund selection to meet that AA (there's lots of specific funds that can meet either of those AAs beside the 3-Fund portfolio suggestions in the Wiki, but those are simple, yet effective, and low-cost).4. I saw your bond suggestion in the excel document. I understand being a Boglehead is a conservative safe way to play the stock market, but he would like the play the Boglehead style with high aggression on fund selection.
As you get closer to retirement, I'd still recommend adding more bonds to reduces your volatility rather than just tilting towards dividends/value stocks. Value stocks are still a sub-sector of stocks and stocks have higher volatility than bonds, which is why Target Date Funds gradually decrease stock exposure (while increasing bonds) as they get closer to their target date. That TDF glide-slope mimics what many investors do manually by stepping down their stock exposure at certain age thresholds or years-from-retirement thresholds.5. I choose SCHD, because I watched way too many Youtube videos talking about its long term great hold value for dividends and the possible rewards for the snowball effect. After reading these forums, i realized that SCHD would be a better fund for myself closer to retirement. I'm hoping to be done in the next 30 years and retire at 67.
Whatever you decide, best of luck with your investing journey!
Statistics: Posted by bonesly — Fri May 31, 2024 11:14 pm — Replies 12 — Views 1841
