I'm 50/50 s&p/small cap value. 100% Equities. Hopefully, when I retire ill have 2 pensions. I'm also fairly young, 34 this year. Thanks for all your help Paul and gang. You've made my investment decisions a lot easier and less stressful.
Thanks for the kind comment. I look forward to recording the video about putting the U.S. 2 Fund Portfolio to work next week. That will be Boot Camp #5. You are young enough that the 54 year track record should be helpful. It will also be interesting to see what happens when you combine the accumulation period with the distribution period. When we are done with the series I hope you will share your glide path with me. paul@paulmerriman.com
Hi Paul, really appreciate the videos. Sure wish I was paying attention to investing earlier, but I now have the knowledge to help my kids as their road to retirement wealth is much more challenging with the costs of education and housing. I'm 5 years out from retirement with a very comfortable plan, but gaining this knowledge is helping me gain more confidence with my investment strategy during retirement. Keep spreading the knowledge.
Thanks Michael. I hope the upcoming distribution videos will be helpful. In a few weeks I will be interviewing Christine Benz from Morningstar. While I don't use her bucket strategy I think it fits the needs of a lot of retired investors.
Very interesting. Adding the more risky SC Value to the less risky bond portfolios does change things a bit. I still see a lot of research saying 100% equities is the way to go forever. I just don't know how many people could handle those swings or if I could. Although I think the max draw downs wouldn't be as bad with a more diverse equity portfolio than the ones in this example.
I appreciate your comment. My hope is we are among the best in putting together combinations of equity asset classes, as well as results by adding bonds, and making it easy to compare. I am serious when I ask you to give me an alert to another source that you find helpful. paul@paulmerriman.com
Hi Kieth. I think they are both Truth-Tellers you can count on. I also think Ben Carlson and many of the other TT are terrific. The challenge is getting enough information without letting this process dominate your life. I would like to put together a list of 100 things that include everything you need to know about investing. Maybe I can do that by the end of the year.
Haha, don't worry about it. It's my mental health problems that dominate my life lol I'm working on those though! I lump summed the roth ira on january 2nd this year into AVUV, just gonna let it ride. I want to go the retiremeet here in Hartford CT later this year and meet you! Hopefully you and I can make it out.
Very good presentation, I have learned a lot. Would you have time to put a list of all the slides together in one place. This would allow me to print them easily to be referenced as you speak. The numbers are very small in some slides. I would like to print prior to the presentation. Thank You.
Thank you, Paul. When you say bonds, which funds are included in it? I see that the yearly returns for 100% Bonds don't match any of these ETFs: BND, VGIT or VGSH. Is it some combination of multiple bond funds/ETFs?
Oh, I see the Data Disclosure PDF in the notes shows multiple funds for the Bonds portion (Intermediate Govt Bonds, Short-term treasuries and TIPS), but it is not clear how the returns are arrived at using those funds. Are those funds just equally weighted?
I am 45 years old. Is it too late for me to include SCV in my portfolio considering the amount of time it takes for the premium to show? I was looking at the US 4 fund portfolio and the WW all Value portfolio for my wife and I...We will need to start taking distributions around 65...
That's my kind of humor. Thanks. It is a personal challenge to make sure he gets started saving at least 1%. Better yet, he should save his tips. That represents his good work totally supporting his retirement. The tough part is getting the portfolio to grow enough that one starts to see the long term impact of his saving. I think he will become a believer the first year his earning on his investment surpass the total tips income.
@@PaulMerrimanSoundInvesting I started saving before I was 25 for my eventual retirement, plus a couple things along the way. I didn't have to take chances along the way with market timing attempts, or fighting with the dog over the last can of Alpo in retirement.
In your fixed contribution presentation can you include an analysis of contributing to traditional IRA versus contributing to Roth IRA vs converting a traditional IRA?
Sorry we don't take on tax advice. I do suggest you check out Jim Dahle's articles about IRA Roth conversions on White Coat Investor as well as on The Balance. I consider them both to be good resources. Also check out our list of Truth-Tellers on our website. We don't get any compensation for linking to their sites.
Another thought. Next week I will record Boot Camp #5 on results of the 9 different portfolios during the accumulation period. While it is not intending to make it possible to compare Roth vs. regular IRA, it does represent a return that could be likely in a Roth. In the taxable IRA distributions with a regular IRA who knows what the marginal tax rates will be. When I came into the industry in 1966, the highest tax rate was 70% just for the federal tax obligation.
I'm 50/50 s&p/small cap value. 100% Equities. Hopefully, when I retire ill have 2 pensions. I'm also fairly young, 34 this year. Thanks for all your help Paul and gang. You've made my investment decisions a lot easier and less stressful.
Thanks for the kind comment. I look forward to recording the video about putting the U.S. 2 Fund Portfolio to work next week. That will be Boot Camp #5. You are young enough that the 54 year track record should be helpful. It will also be interesting to see what happens when you combine the accumulation period with the distribution period. When we are done with the series I hope you will share your glide path with me. paul@paulmerriman.com
Hi Paul, really appreciate the videos. Sure wish I was paying attention to investing earlier, but I now have the knowledge to help my kids as their road to retirement wealth is much more challenging with the costs of education and housing. I'm 5 years out from retirement with a very comfortable plan, but gaining this knowledge is helping me gain more confidence with my investment strategy during retirement. Keep spreading the knowledge.
Thanks Michael. I hope the upcoming distribution videos will be helpful. In a few weeks I will be interviewing Christine Benz from Morningstar. While I don't use her bucket strategy I think it fits the needs of a lot of retired investors.
Thank you again for sharing your wealth of knowledge with the world
Thank you Paul. Just love the work you and your team keep doing for us!
Very interesting. Adding the more risky SC Value to the less risky bond portfolios does change things a bit. I still see a lot of research saying 100% equities is the way to go forever. I just don't know how many people could handle those swings or if I could. Although I think the max draw downs wouldn't be as bad with a more diverse equity portfolio than the ones in this example.
Paul is the best #1 👌
I appreciate your comment. My hope is we are among the best in putting together combinations of equity asset classes, as well as results by adding bonds, and making it easy to compare. I am serious when I ask you to give me an alert to another source that you find helpful. paul@paulmerriman.com
@@PaulMerrimanSoundInvesting this Keith polnik from Connecticut! I follow Rob berger and Ben felix mainly!
Hi Kieth. I think they are both Truth-Tellers you can count on. I also think Ben Carlson and many of the other TT are terrific. The challenge is getting enough information without letting this process dominate your life. I would like to put together a list of 100 things that include everything you need to know about investing. Maybe I can do that by the end of the year.
Haha, don't worry about it. It's my mental health problems that dominate my life lol I'm working on those though! I lump summed the roth ira on january 2nd this year into AVUV, just gonna let it ride. I want to go the retiremeet here in Hartford CT later this year and meet you! Hopefully you and I can make it out.
Thank you Paul! Watching your videos is time well spent.
Thanks Josh. I hope you will let me know if any of the material in the Boot Camp Series raises unanswered questions.
Very good presentation, I have learned a lot. Would you have time to put a list of all the slides together in one place. This would allow me to print them easily to be referenced as you speak. The numbers are very small in some slides. I would like to print prior to the presentation. Thank You.
Thank you, Paul. When you say bonds, which funds are included in it? I see that the yearly returns for 100% Bonds don't match any of these ETFs: BND, VGIT or VGSH. Is it some combination of multiple bond funds/ETFs?
Oh, I see the Data Disclosure PDF in the notes shows multiple funds for the Bonds portion (Intermediate Govt Bonds, Short-term treasuries and TIPS), but it is not clear how the returns are arrived at using those funds. Are those funds just equally weighted?
Thanks!
Always a pleasure. Please let me know when I have taken a stand that doesn't make sense.
You are welcome! I hope you will pass the information along to others who want to improve their do it yourself portfolio.
I am 45 years old. Is it too late for me to include SCV in my portfolio considering the amount of time it takes for the premium to show? I was looking at the US 4 fund portfolio and the WW all Value portfolio for my wife and I...We will need to start taking distributions around 65...
So you're saying that your barber didn't want a haircut in the stock market? You're the best, Paul!
That's my kind of humor. Thanks. It is a personal challenge to make sure he gets started saving at least 1%. Better yet, he should save his tips. That represents his good work totally supporting his retirement. The tough part is getting the portfolio to grow enough that one starts to see the long term impact of his saving. I think he will become a believer the first year his earning on his investment surpass the total tips income.
@@PaulMerrimanSoundInvesting I started saving before I was 25 for my eventual retirement, plus a couple things along the way. I didn't have to take chances along the way with market timing attempts, or fighting with the dog over the last can of Alpo in retirement.
In your fixed contribution presentation can you include an analysis of contributing to traditional IRA versus contributing to Roth IRA vs converting a traditional IRA?
Sorry we don't take on tax advice. I do suggest you check out Jim Dahle's articles about IRA Roth conversions on White Coat Investor as well as on The Balance. I consider them both to be good resources. Also check out our list of Truth-Tellers on our website. We don't get any compensation for linking to their sites.
Another thought. Next week I will record Boot Camp #5 on results of the 9 different portfolios during the accumulation period. While it is not intending to make it possible to compare Roth vs. regular IRA, it does represent a return that could be likely in a Roth. In the taxable IRA distributions with a regular IRA who knows what the marginal tax rates will be. When I came into the industry in 1966, the highest tax rate was 70% just for the federal tax obligation.
Is vstcx a good small cap option since its the only one i can choose from??
Would a 50% S&P 500 and 50% US LCV do better or worse than the US 2-Fund portfolio over 50 years?
TINKER TINKER TINKER TINKER