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I have been reading in some of the comments on the Forum recently that some of you use a total portfolio approach for your investments. I tried to look it up in Jonathan’s guide but couldn’t find it. I don’t know what this is and was hoping some of you might be able to explain it in a way I could understand. I am not sure if this is something I need to research more? I tried to look it up on Mother Google but didn’t understand what the AI said it was. I am guessing this is something different than having your investments in pre-tax, Roth and brokerage accounts? Thank you, friends, you are always gracious to teach. Chris
I looked the question up using Gemini and it gave a very good explanation and a side by side comparison of other approaches. Noted it’s used mostly by institutional investors.
Chris, that’s a great question, and one that this dumb investor has no readily available answer. Following your lead, I also turned to AI for some clarification. I still can’t explain it clearly, but my impression is that it’s a term invented by active managers trying to get us to pay them old fashioned management fees by promising market-beating mutual funds.
Please, someone correct me if I’m wrong.