Nah, because you are not supposed to be 100% in stocks unless you are 20 years old. Thus, the formula 120 minus your age equals the % in equities. The other allocation is up to you, either in crypto, commodities, bonds, money market, or precious metals. The % allocation to those is up to you.
Yep, diversify, diversify, diversify. Here it's easy: research AVGE and you are covered worldwide in one fund of funds ETF. There, now you know. Let the beatings begin! đ
Like Norman stated above: "I think allocation and personal goals are more important than the entry point. Why? Because âTime in the market beats timing the marketâ. Allocation is key, and re-allocation along the way keeps your portfolio(s) in check. Thus, pick your poison and stick with the allocation through ups and downs in the market. I always keep a "Margin of Safety" allocation to short-term bonds and a money market to reduce risk and for redeployment as I see necessary.
Did the mechanic discuss changing the timing belt pr chain with you? Not sure what the sequence is for a Honda Accord but it may be time to consider replacing it and the water pump, if it is connected to the timing belt.
And there are other ways to pay for it, taxes is just one way. Another way is to lease Federal lands for mineral rights, and the government collects rent and takes equity in the company that is accessing the natural resources. The money collected goes to the SS Trust to fund the unfunded liabilities. Ok, let's hear some other alternatives to funding the SS Trust, and raising the age limit on (FRA) is OK with me (scaled to age 70). The bigger question is, does Congress have the will to fix the shortfall in the SS Trust?
Jonathan, Praying for you to keep striving and surviving. Keep up the great work, and make peace with those you love and respect. Always found your writings and Humble Dollar to be great advice and about subjects to ponder.
If you are young or under 50, just read up about the Bogle 3 or 4 fund strategy. That's all you need to know. We are not Wall Street slick traders, you don't have high frequency trading (HFT) computers, and you don't have the wherewithal to analyze the S&P 500, much less the great worldwide companies that you must be invested in. "Boglehead 3 Fund Portfolio is a simple, low-cost investment strategy that consists of three index funds: a U.S. Total Stock Market Index Fund, an International Stock Market Index Fund, and a U.S. Total Bond Market Index Fund. Boglehead 4 Fund Portfolio adds Total International Bond Market Index Fund to the mix. Both portfolios aim to provide diversification and long-term growth, with a focus on minimizing costs." That's why, even at my age (73), I added the Pacer funds HERD ETF to many of my portfolios including to my wife's portfolio for worldwide equity coverage wrapped in one ETF. It's not a Target Date Fund, and I do not like their investment methodology.
Comments
Nah, because you are not supposed to be 100% in stocks unless you are 20 years old. Thus, the formula 120 minus your age equals the % in equities. The other allocation is up to you, either in crypto, commodities, bonds, money market, or precious metals. The % allocation to those is up to you.
Post: Index Fund Bubble
Link to comment from December 6, 2025
Yep, diversify, diversify, diversify. Here it's easy: research AVGE and you are covered worldwide in one fund of funds ETF. There, now you know. Let the beatings begin! đ
Post: Index Fund Bubble
Link to comment from December 6, 2025
SPAXX at Fidelity or SMB for tax free monthly income.
Post: Where to Keep Cash
Link to comment from December 6, 2025
Like Norman stated above: "I think allocation and personal goals are more important than the entry point. Why? Because âTime in the market beats timing the marketâ. Allocation is key, and re-allocation along the way keeps your portfolio(s) in check. Thus, pick your poison and stick with the allocation through ups and downs in the market. I always keep a "Margin of Safety" allocation to short-term bonds and a money market to reduce risk and for redeployment as I see necessary.
Post: Getting Back into the Market Now
Link to comment from May 24, 2025
Did the mechanic discuss changing the timing belt pr chain with you? Not sure what the sequence is for a Honda Accord but it may be time to consider replacing it and the water pump, if it is connected to the timing belt.
Post: How have you decided when itâs worth it to fix an old car?
Link to comment from May 24, 2025
And there are other ways to pay for it, taxes is just one way. Another way is to lease Federal lands for mineral rights, and the government collects rent and takes equity in the company that is accessing the natural resources. The money collected goes to the SS Trust to fund the unfunded liabilities. Ok, let's hear some other alternatives to funding the SS Trust, and raising the age limit on (FRA) is OK with me (scaled to age 70). The bigger question is, does Congress have the will to fix the shortfall in the SS Trust?
Post: You versus Social Security – Quinn is betting against you.
Link to comment from May 3, 2025
Go here to research dividend-paying stocks, ETFs, and Mutual Funds: https://www.dividendchannel.com/ The S.A.F.E 25.
Post: Youâve Come a Long Way, Baby
Link to comment from May 3, 2025
Jonathan, Praying for you to keep striving and surviving. Keep up the great work, and make peace with those you love and respect. Always found your writings and Humble Dollar to be great advice and about subjects to ponder.
Post: Donât Push It
Link to comment from April 14, 2025
Thanks Dick for your sage advice.
Post: Learned Along the Way
Link to comment from April 22, 2023
If you are young or under 50, just read up about the Bogle 3 or 4 fund strategy. That's all you need to know. We are not Wall Street slick traders, you don't have high frequency trading (HFT) computers, and you don't have the wherewithal to analyze the S&P 500, much less the great worldwide companies that you must be invested in. "Boglehead 3 Fund Portfolio is a simple, low-cost investment strategy that consists of three index funds: a U.S. Total Stock Market Index Fund, an International Stock Market Index Fund, and a U.S. Total Bond Market Index Fund. Boglehead 4 Fund Portfolio adds Total International Bond Market Index Fund to the mix. Both portfolios aim to provide diversification and long-term growth, with a focus on minimizing costs." That's why, even at my age (73), I added the Pacer funds HERD ETF to many of my portfolios including to my wife's portfolio for worldwide equity coverage wrapped in one ETF. It's not a Target Date Fund, and I do not like their investment methodology.
Post: Learned Along the Way
Link to comment from April 22, 2023