Agree with your total return philosophy and rebalance….across all types of accounts - taxable, pre-tax, Roth, etc.
Monies in those accounts are fungible while buying/selling, rebalancing during your portfolio management process.
I too enjoy your articles and this was another gem. It’s always good to read a reminder of Jonathan’s guidance or encouragement. I’ve been thinking about another HD contributor that I/we haven’t heard from in a while and was wondering if anybody knows what happened to David Garland - another contributor with a personal and an enjoyable style of writing. This may not be the best time to ask, but am curious.
Agree, the mutual fund to ETF conversion process Vanguard offers is easy to do. I recently decided to do a VSMAX to VB conversion (Vanguard Small Cap blend fund).
I have posted a positive reply to this article and included a couple of related links. My post has been rejected (I think twice). Can someone/curators (Adam?) help me understand why or suggest a different course of action or inquiry method? Any help appreciated, thanks.
Adam,
Thanks for another great article. Cullen Roche has included many of the portfolio construction tenets and guidelines that we are familiar into an interesting book. I look forward to reading it. Here is a link to portfolios that readers may be interested in reviewing and potentially commenting on. https://portfoliocharts.com/portfolios/
Comments
Agree with your total return philosophy and rebalance….across all types of accounts - taxable, pre-tax, Roth, etc. Monies in those accounts are fungible while buying/selling, rebalancing during your portfolio management process.
Post: What does ”means” mean?
Link to comment from February 25, 2026
Dick, In your opinion is cap gains payouts part of the stream (along with the interests and dividends stream)?
Post: What does ”means” mean?
Link to comment from February 25, 2026
RQ, You have a system that works for you 😉
Post: Yes, I am a NIIT wit
Link to comment from February 24, 2026
Know thyself! 😀 …you are doing what’s right for you.
Post: The High Cost of Financial Advice: A Tale of Two Portfolios Revisited
Link to comment from February 9, 2026
I too enjoy your articles and this was another gem. It’s always good to read a reminder of Jonathan’s guidance or encouragement. I’ve been thinking about another HD contributor that I/we haven’t heard from in a while and was wondering if anybody knows what happened to David Garland - another contributor with a personal and an enjoyable style of writing. This may not be the best time to ask, but am curious.
Post: Value of Waiting
Link to comment from February 9, 2026
Agree, the mutual fund to ETF conversion process Vanguard offers is easy to do. I recently decided to do a VSMAX to VB conversion (Vanguard Small Cap blend fund).
Post: Value of Waiting
Link to comment from February 9, 2026
Here is another link. https://www.portfoliovisualizer.com/
Post: Perfect Portfolio
Link to comment from February 8, 2026
Thanks, Kathy.
Post: Perfect Portfolio
Link to comment from February 8, 2026
I have posted a positive reply to this article and included a couple of related links. My post has been rejected (I think twice). Can someone/curators (Adam?) help me understand why or suggest a different course of action or inquiry method? Any help appreciated, thanks.
Post: Perfect Portfolio
Link to comment from February 8, 2026
Adam, Thanks for another great article. Cullen Roche has included many of the portfolio construction tenets and guidelines that we are familiar into an interesting book. I look forward to reading it. Here is a link to portfolios that readers may be interested in reviewing and potentially commenting on. https://portfoliocharts.com/portfolios/
Post: Perfect Portfolio
Link to comment from February 8, 2026