I have been looking for a good book about asset allocation, and I decided to pick up David Swensen’s book, “Unconventional Success.” David Swensen should undoubtedly be regarded as a superinvestor. Fill out this form and I’ll email it to you. Information presented herein is hypothetical in nature and is shown for illustrative, informational purposes only. Diversification and the inclusion of alternative investments have become more important as a 60/40 portfolio would not provide you the same type of returns in 2019 as in 2009. Generally, as a FERS employee you contribute to the TSP for years to build a solid base to draw on in retirement. $16,000 business class flights to Europe for $300, how we saved over $10,000 on a trip to Europe, https://investor.vanguard.com/investing/investment/international-investing, https://www.bogleheads.org/forum/viewtopic.php?t=242137, https://seekingalpha.com/article/4249543-2-greatest-bull-markets-u-s-history-boomers-broke?ifp=0, the actual return during this period isn’t the most important factor, Late 2018: Sold some bonds, bought equities (unwinding, rebalanced portfolio to target asset allocation – Stocks were down, international more so than US, so added funds to international stocks, New! The benchmark given to the fund by the Ministry of Finance is to allocate 70% of the fund in Equities and 30% in Bonds, with a progressive diversification into Real Estate.
All Rights Reserved. I definitely wasn’t doing any market timing, no siree. Michael Taylor, CFA . In mid-2018, our seller financed mortgage ballooned out, giving us a bunch of cash worth about 2% of our portfolio. You have built currency and geography risks into your plans that should be acknowledged (e.g. (I asked myself this question and lowered my own equity allocation. Interesting, thanks. The verification report is available upon request. This “hierarchy” of expected risk/return allows investors to build a portfolio corresponding to his long term risk/return objectives through a strategic asset allocation. What is the income required? Sounds like you are doing all the right things. As of mid-January 2019, according to Personal Capital our portfolio looks like this: I’ve noticed a trend though in my experience, the higher the cost of a fund the greater the dividend and sometimes it pays to ignore the fee percentage if your getting a higher kick on the income. 1. IHG: 71,689 (mostly from Accelerate bonuses) Higher FTC per share and higher QDI ratio.
Christine Benz . Strengthening corporate activity sees our equities outlook improving, but watch out for volatility . Now let’s go back to that Excel table and re-create it using a few different portfolios. Not a yawner. What’s to love? The contrast could … © 2020 Brandon Christy. Over the past several years, I’ve made minor annual adjustments to our investment portfolio – harvesting capital gains, rebalancing, and adding fresh capital.
(See US vs International section), “Someday I will write a post about why we aren’t globally weighted, and that post will include phrases such as fees, currency risk, rule of law, shareholder rights, demographics, and immigration.”.
I don’t recall you writing about why you picked 80/20 US/International. Strategic Asset Allocation Recommendations. Brandon Christy, CPA, PFS, is the founder and president of Retirement Benefits Institute, Inc. I have a question about capital gains harvesting that i haven”t seen addressed. One example of point usage: $16,000 business class flights to Europe for $300. Looking beyond 2019, how can you plan your Strategic Asset Allocation to earn steady returns over a 5-10 year time horizon? You can even reduce your total fee by over 50% while dramatically increasing your diversification, if you choose. Kanol Pal, Strategic Asset Allocation team, CIO Office,Asia. This analysis is, by definition, the pre-mortem. Head of Global Asset Allocation. Factor Investing... Or When Asset Allocation Becomes Alchemy! If you up your basis aren’t you buying back fewer shares, and therefore missing out on greater returns when / if share prices go up? Depending on your perspective, this update is either absolutely fascinating or a total yawner.
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