Hey Jeremy, long time no talk I was hoping you could offer your thoughts on this portfolio strategy.
I’m currently enrolled in Vanguard’s Personal Advisor Service which charges .3% annually and essentially manages a 3-fund ETF portfolio for you. The service is great but I think I can do this myself. Vanguard currently has me at 60% US Stock/40% Int’l stock, but I’m thinking of doing myself a 80/20 split and not introducing bonds until I am much older.
With my 401K I’m currently invested in the Vanguard 2060 TDIF (.04% expense ratio), but there I am thinking of investing in the S&P 500 index fund option (.015%) to be a little more aggressive.
Thoughts? Not trying to constantly flip flop my strategy but I think I want to be aggressive given my age and limit fees as much as possible.
Bonus JL Collins recommends the following two portfolios.
- The Wealth Accumulation Portfolio which is 100% VTSAX
- The Wealth Preservation Portfolio which is 75% VTSAX, 20% VBTLX and 5% cash
Do you see any issue with these strategies?