BND

TortugaTurtle47

My plan that has significantly less expenses/fees: 100% stocks until 50-55 (VTI ~80% and VXUS ~20%). Once I'm in my 50s, I'll start adding bonds like SGOV and BND (my emergency fund is in them already). Probably be around 60% bonds and 40% stocks in retirement (plus cash).

Smart_Food_4823

If your portfolio looks like a grocery list, you're not diversifying; you're just collecting expense ratios. A solid VTI/VXUS/BND combo beats these 'over-engineered' institutional traps 9 times out of 10. The best edge in 2026 isn't more tickers, it's less friction

MidnightMiasma

Others have already pointed out that this is an absurd portfolio. Why? (1) Fees—you’re paying 1.5% on the portfolio and probably an additional 0.5-1% on the actual holdings, (2) complexity—this accomplishes with ~20 positions what can be achieved in 3 positions. If you go this route, you will be much worse off than if you did it yourself. You could replicate this portfolio almost exactly by buying: - 51.3% VTI (or ITOT if you prefer, basically the same)—this includes a very similar breakdown of large, medium, and small cap. - 22.5% VXUS (or IXUS if you prefer, basically the same)—this includes a very similar breakdown of developed and emerging markets. - 23.5% VTEB (or MUB if you prefer, basically the same)—this includes municipal bonds. Others have recommended BND, which is fine, but BND is not municipal bonds which have some tax advantages if you are in a high tax bracket. - 2.7% cash This entire portfolio represents the same investment mix that your idiot advisor recommended and will cost around 0.05%. 1.5-2% doesn’t sound like much, but if your expected return on your portfolio is about 7%, you give up about 1/4th of your gains to Fidelity. This sub will generally not consider anything other than a 3-4 fund portfolio mostly because it does actually make sense, but in reality, some people are scared of doing even that. If that is you, that’s okay! Just buy something like FFNOX—it bundles these funds together so you just have to buy one thing, at the cost of a very slightly higher price (but still WAY cheaper than what your advisor recommended). As for your advisor, he is not acting in your best interests. I would run.

betsbillabong

Oh my god. Do not do this! If you are fully in cash now, then I agree on 70/30 as a good allocation. You can get that through a two-fund portfolio: 70% VT and 30% BND or VGIT. And do not pay 1.5% -- that is highway robbery.

A10cc

Bro just do VTI/BND or VT/BND. It's so simple.

RJ5R

Here you go - VTI 60 VXUS 30, BND 10. Done

Freightliner15

Really. 70% VT, 30% BND would be soooop much simpler.

ATPsynthase12

Do you know the easiest way to make a million dollars in the stock market trying to day trade? Start with two million. Pick a few (or even 1) ETFs you like like VTI or VOO and you’re golden if you’re young. If you are old or risk adverse put 10% in BND If you want to hedge against the US economy, add VXUS at no more than 25-35%. If you really want to tilt into one or more sectors (AI, infotech, robotics energy, healthcare etc.) research those sectors and pick one or two index funds that’s performing well to put no more than 10% per fund into. Again, DO NOT try to “short” a stock or day trade. You’re basically gambling and will lose money. Best strategy is to buy and hold and do the opposite of what everyone else does in a bear market and buy the dip in sectors you know won’t collapse totally. For example, if we manage to develop easily and cheaply produced electric cars and can move that tech to larger vehicles, “buying the dip” in oil is a dumb move. But buying the dip in say healthcare or tech is a solid bet that the market will grow and make you money.

AskPatient1281

This is my formula. This is what I do. Maybe it will work for you as well. 1) Emergency fund - 6 months of expenses = $29,700 This should be invested in treasury. A good option is SGOV. Ok also to keep it at a HYSA. Not a regular savings account, but a HYSA. 2) Open a roth IRA and fully fund it to the max allowed = $7,500 Everything here should be invested in broad stock ETF, something like VOO or VTI. If you want, put 20% on international stock - VXUS. So 20% VXUS and 80% VOO or VTI. Invest the max allowed every year. 3) Open a brokerage account and invest the rest Follow the same formula as #2. So 20% VXUS and 80% VOO or VTI. Invest a little every month. It doesn't matter if the market is up pr down. Just keep investing a little every month. If you can invest $50, ok. If you can go to $500, great. But keep investing. 4) Check your emergency fund at least once per year. If you conclude that your cost of living went up, top it up. Add more money to it. 5) As you get older age 45 or so, start adding Bonds to your portfolio to reduce volatility. You don't want to retire with 100% of your investments in stocks. On your Roth (and 401k, if you have one), you can sell some of your stocks and buy bond ETFs like BND or IGIB. In Roth, IRA and 401k these movements are not taxed.

ATPsynthase12

I ran some benchmarks and I think I’m gonna update my portfolio to this: VTI 50% VXUS 25% BND 10% VGT 15% When compared to the benchmark of Berkshire Hathaway over the last 3 years it has had a Sharpe of 1.12 compared to BRK’s .66 and a CAGR of 18.5% compared to BRK’s 14%. It also has a Sortino ratio of 2.03 compared to BRK’s 1.06 and a Calmar Ratio of 1.81 to BRK’s 1.4. So it seems to outperform BRK.A in nearly every metric from a risk to growth perspective. I noticed my REIT percentage was pulling down growth and I don’t need high dividend payout at this stage and I don’t like the tax drag so I’m dumping this as well as QQQ. I’m also dropping BND to 10% which exposes me to more risk from tech exposure but also lets me have more growth over the long term.

Infnits

Yeah the overweighting angle is fair, VTI + QQQ for a tech tilt is a real strategy as long as you know that's what you're doing. On the expense ratio thing you're right, it's basically a wash if both funds are 0.03 to 0.06%. The real cost isn't the fee, it's opportunity cost. If your intent was to diversify and you ended up with two funds that move together, you spent that allocation on something that didn't do the job. That same money in VXUS or BND or AVUV would've actually reduced your correlation to the US large-cap bet. So the downside isn't what you paid, it's what you didn't get. The portfolio looks diversified on paper but behaves like one position when the market moves.

Space_Pilot1

I could see VTI and VXUS for someone willing to specifically derisk from US equities given the current political environment. Or just do VT long term and call it good enough since the overall returns are roughly similar. For Bonds I believe IUSB, BND, or AGG are pretty close too with about 17k basket holdings according to Fidelity Investments. Anything else is simply increased decreased diversification and increased risk at the benefit of potentially higher returns or greater losses

ATPsynthase12

So I am currently getting into investing and learning the basics but would appreciate some input on my current portfolio distribution. The goal is long-term sustained growth over 30 years or so with a “buy and hold” mentality. I like the Bogleheads mentality, but got a 3 day ban from their sub for even mentioning investing in QQQ. Currently my distribution is based on a standard 3 fund portfolio with tilts in tech and real estate because I think those markets will continue to improve over the next 30 years. My distribution is: 40% VTI 20% VTXUS 20% BND 10% VNQ (REIT) 10% QQQ Any input or changes you’d recommend? I’m aware the REITs aren’t the most efficient in a taxable brokerage, but with my income tax bracket, it would be negligible bump. I like them as an inflation hedge and the extra investable income via dividends. If I were to cut something, I’d sell my. Shares here and move it to VTXUS for more foreign market involvement. I am also aware that tech and QQQ is volatile in the market, however, I do not think we are going to see tech become less of an integral part of our society or economy especially with the rise of AI. It seems silly to not tilt your portfolio to tech a little given that we are closer to colonizing the moon than going back to analog clocks and dialup i

hymie-the-robot

the driver is correlation, not beta. if you hold low-correlated assets, beta is going to decrease, and drawdowns will decrease compared to the market. if you hold highly correlated assets, then they're going to drop largely with the market, and beta will be high. finding low-correlated assets is difficult. you have one in gold, and perhaps bonds, but many bonds don't fit the bill these days. e.g., BND is poor, while SGOV is good. if you experiment using backtests (portfolio visualizer, testfolio), you can examine risk metrics and gain insight into this.

ATPsynthase12

So I am currently getting into investing and learning the basics but would appreciate some input on my current portfolio distribution. The goal is long-term sustained growth over 30 years or so with a “buy and hold” mentality. I like the Bogleheads mentality, but got a 3 day ban from their sub for even mentioning investing in QQQ. Currently my distribution is based on a standard 3 fund portfolio with tilts in tech and real estate because I think those markets will continue to improve over the next 30 years. My distribution is: 40% VTI 20% VTXUS 20% BND 10% VNQ (REIT) 10% QQQ Any input or changes you’d recommend? I’m aware the REITs aren’t the most efficient in a taxable brokerage, but with my income tax bracket, it would be negligible bump. I like them as an inflation hedge and the extra investable income via dividends. If I were to cut something, I’d sell my. Shares here and move it to VTXUS for more foreign market involvement. I am also aware that tech and QQQ is volatile in the market, however, I do not think we are going to see tech become less of an integral part of our society or economy especially with the rise of AI. It seems silly to not tilt your portfolio to tech a little given that we are closer to colonizing the moon than going back to analog clocks and dialup internet.

AskPatient1281

When you say "dividend income", do you mean dividend stocks or moving part of your portfolio to bonds? If dividends stocks, I'd stay they are irrelevant. You can sell your stock shares to the same effect. Now if you want to get into bonds (which might be a good idea as you get closer to retirement), you need to 1) Stop reinvesting dividends and buy bonds (BND, IGIB etc) 2) Sell a portion of your portfolio now and move to bonds 3) I'm sure you have a 401k/IRA... move that to bonds. This is a non tax event, as you know.

GhostSiX1Nine

* VTI (45%) → full U.S. market (clean foundation) * QQQM (20%) → growth + AI/tech dominance * VEA/VWO (15%) → global diversification * BND/VTIP (15%) → volatility control + income * VNQ (5%) →inflation + real asset exposure * SPRXX→ keeping cash here until I am tactically ready to buy I like this strategy; it works for me. * Simplified portfolio * Reduce overlap * Increased exposure to small/mid caps (via VTI)

Buck169

BND is down 0.4%, while VTI is up 2% YTD. But if we'd looked on March 30, VTI was down 6% YTD, while BND was down only 1.5%. Unfortunately they're not negatively correlated, but the bonds ARE showing lower volatility, which is supposed to be part of the appeal, right?

eh63tre

Schd is like a Bond Fund. Much better long term than BND

Comfortable-Space484

Random internet people, please give me financial advice! 47% VOO 26% VXUS 15% VWO 11% VB 1% BND

miguel_equivara

VT plus BND and you're done the entire planet's equities and a bond cushion in two tickers.

Vas_Cody_Gamma

If you have an iPhone and the Stocks app, have the SnP and BND right next to each other. Both will go green and red on a given day. But BND is always somewhat linear. SNP on the other hand is always jagged.

hymie-the-robot

there are other ways to diversify a portfolio, but typical intermediate bonds (BND) seem to be pointless, as a 60/40 portfolio has been shown to be highly correlated with the index. [https://www.aqr.com/Insights/Perspectives/A-Positive-Stock-Bond-Correlation-Is-a-Terrible-Reason-to-Add-More-Equity-Risk-to-Your-Portfolio](https://www.aqr.com/Insights/Perspectives/A-Positive-Stock-Bond-Correlation-Is-a-Terrible-Reason-to-Add-More-Equity-Risk-to-Your-Portfolio)

Buck169

You could do a lot worse than putting 80% into VT (Vanguard Total World Stock ETF) and 20% into BND (Vanguard Total Bond Index ETF). This assumes you are not planning to spend this money soon but will be leaving it indefinitely in the funds. Get a copy of the book I Will Teach You To Be Rich from a library and read it. It's fairly short, pretty entertaining (no, really!), and if you can absorb and apply even 1/4 of what he writes, you'll be ahead of probably 90% of your peers and even people much older.

Animag771

I guess it depends on what we are considering satellite positions. If we're calling core VTI and BND, then I guess I hold 50% of my portfolio in satellite positions. Every ETF I hold (5 total) has a job so I wouldn't really consider any of them a satellite position.

Ok-Outside-8419

I put $500 into a vanguard brokerage. I truly don’t remember how I selected what I did but the breakdown is BND, BNDX, VTI, and VXUS. Maybe I selected a target date fund? I don’t see that listed anywhere. Anyhoo, there’s $13 listed in the settlement fund section. Should that be reinvested automatically? Do I need to do something? I haven’t added any money to it since I opened it. It says total is $594. So it is being reinvested? Do I need to pay taxes every year? Is any growth considered taxable income? Is a brokerage worth it? I might just leave it and not add if it’s too complicated 😵‍💫 I max my Roth and invest to my 401k so thought it’d be good to have a brokerage. But it’s stressing me out! I just want ot set it and forget it like the other accounts

Machine8851

If he did what you said he would do it would be ideal such as buying VT and only looking at your portfolio occasionally. Or buying 90% VT and 10% BND.

zzzerocool

VTI, VXUS, BND, BNDX - Vanguard version ITOT, IXUS, AGG, IAGG - iShares version In order: Total US Stocks, Total International Stocks, Total US Bonds, Total International Bonds If you get a target date fund at Fidelity, Vanguard, or Schwab, it puts you in a combination of these. Schwab is slightly different in that their target date funds don't use international stocks from developing nations (only developed) or international bonds.

nauticalmile

The TDF OP mentioned appears to be a CIT with a 0.075% ER, maybe a couple of basis points higher cost than DIY-ing an equivalent out of VTI/VXUS/BND? That’s a pretty negligible cost difference.

Over-Computer-6464

See r/bogleheads I have done backtests on many complicated portfolios suggested by financial advisors. They all end performing pretty much identical to the simple 3 ETF portfolio recommended by Bogleheads: 1) broad market US stock market ETF like VTI or ITOT or SCHB, 2) a broad market international stock ETF like VXUS or IXUS, and 3) a broad bond ETF such as BND.

TheDudeAbidesFarOut

BND

Cloakedbug

No BND with that boglehead spread?

Don_Mask

As of right now I'm not really worried about unforseen costs since my father mostly helps with that although definitely once I stop getting support financially I will need a HYSA and I will definitely start slowly cultivating that but my main focus is investing as I want to put as much as I can towards that especially since I don't make too much money/month (around 500-600/month). I currently have 11k in investments, was 12k before in Jan. Planning to put a decent chunk per month or biweekly into whatever in whatever ratio and just let that ride. I'm just unsure of what in specific (stock/ETF) and what ratio. As of now I've just been putting x amount in mostly QQQM, VOO, VTI, VXUS, GLD. But I've seen elsewhere that a good ratio would be something like 60% into VTI (ETF covering the entire US stock market), 30% into VXUS (ETF covering international exposure), 10% into BND (ETF for bond). Which would mean I would stop investing in QQQM, VOO, GLD or at least mostly put all my cash towards VTI, VXUS, bond ETF?

alone-in-the-chat

Should I sell my BND and pick some stocks?

alone-in-the-chat

Good moment to sell my BND and buy some dips?

Whoodabosss

Bonds like TLT and BND?

McKoijion

Relax guys, BND is only down 0.45% today.

hymie-the-robot

first, I ran a short (15-year) backtest of your allocation, and the return was virtually identical to that of 100% VOO. more important, I am friendly with Gemini, and I asked it to run a stress test starting with $1m, assuming 3.5% annual withdrawals, comparing 100% VOO and 60 VOO, 40 BND. in this test, 100% VOO ran down to zero by year 40, while 60/40 still had $1.5m. this is because BND held value during downturns when VOO suffered, and you could sell some BND and buy VOO while it was cheap.

bigboyvapesinc

\- 50% VOO, 25% VXUS, 10% BND, and 15% individual stocks you research that you might like/believe in. \- Set up auto buy so you buy VOO, VXUS, BND, etc monthly to dollar cost average and build your porfolio. \- Make sure DRIP is on (dividend reinvestment plan) so when your ETFs pay you 4x a year, you buy more of the stock using the dividend. I recommend using Fidelity or Charles Schwab as your platform. \- Finally, leave it all alone and never sell until its time for retirement or to rebalance your porfolio. Profit. And one last tip, don't ever fuck with options, ever.

Present-Gur6025

You don't lose unless you sell, first of all. Second, Trying to time and manipulate the market because of a war that's been brewing and poked at by Netanyahu for 30 years just.... doesn't seem very smart to me. Maybe just stick to the boglehead method. VTI / VXUS / BND and chill out. Set automatic deposits and buys and then hide the app. Don't look at it. If you're sick, just fast, don't eat sugar until you're better. Doctor won't do anything besides bill you and maybe suppress some symptoms

Cav829

Yeah, BND gets away with it since it's such a small part of the overall makeup. I don't think I'd touch anything else using corporate bonds. I've also seen some good deep dives showing VGIT is a slightly more reliable BND over time if you want to get away from corporate bonds. I don't have that much for bonds in my total holdings, and half of those are direct bonds for the exact reason you stated.

azure275

Go look at BND this month Go look at treasury rates recently Then come back and tell me bonds are doing well

TreGet234

Honestly i distrust bond funds. (Except ultrashort) With individual bonds you can hold til expiry to garantee making a profit. On bond funds they may keep dipping and just erode all profits. I also don't like funds that contain corporate bonds since they are so much riskier than government bonds, though it seems that for BND that was never an issue.

One_Talk_3410

Switched 50%  to SPAXX/BND back in Q4 of 2025. Plan to DCA back in very slowly unless we get a huge drop. 

ILoveKombucha

For long term investing, I'd recommend a "Boglehead" portfolio. Take a breath: this is actually really easy. It will involve 3 investments (3 things you buy). You don't need to manage 20 stocks or anything like that. The portfolio will include: 1) STOCKS / BONDS. 2) Within the STOCK portion, you want USA Stock / International Stock. Common ETF's for this would be VOO / VXUS. VOO is the S&P 500; the 500 largest USA companies. It represents the US market. VXUS is thousands of international stocks, with zero US stocks. This diversifies you. You have to choose an allocation. A sensible beginning allocation would be around 80/20 (US/International). 3) Bonds: you would pick a bond ETF like BND or VGSH. You have to choose an allocation between stocks and bonds. Bonds are generally much lower return than stocks, so for long term investing, people usually recommend less bonds, with a gradual adding of bonds as you near your retirement date. So for stocks/bonds you could do 100/0. But I think 80/20 is fine. IF you want to keep things exceptionally simple, it's hard to go wrong with a 3 fund that looks like this: VOO/VXUS/BND 60/20/20. It's not romantic. People will tell you that you could optimize for higher returns. But 60/20/20 is a very sensible portfolio at any age. You would probably do better than 80% of all investors with that portfolio, and you don't even have to think about it. 4) If you want to set aside money for more near future (5-6 years), you should put THAT money more towards bonds, money market, etc. Your return may be lower, but you don't want to gamble with money you need in 5 years. Stocks (VOO/VXUS) are absolutely gambling if you are dealing with short time spans (5-10 years). Stocks are not gambling if you are looking at 10-30 years (the longer the horizon, the less of a gamble it is). 5) You need to learn about account types: Roth vs traditional, 401k vs IRA vs taxable brokerage. Accounts are just vehicles that you buy investments within. In other words, you could have roth IRA, a traditional IRA, and a taxable brokerage account, and ALL of these accounts could hold your VOO/VXUS/BND portfolio (or something comparable). 401k/IRA are RETIREMENT ACCOUNTS to be used to game the tax system in your benefit. Taxable brokerage is an account that doesn't shield you from taxes, but allows you total freedom to add or withdraw as you please. The biggest issue is that 401k's don't always have the exact investment choices you want, and may have higher expense ratios than other choices. If you get employer matching, you should ALWAYS contribute to that match, no matter what (free money; literally stupid to not do it). Just pick whatever investments they have that approximate VOO/VXUS/BND (they all usually have something like this). Go slow, learn a little at a time. Outside of all the above, if you want to, you can learn about investing in individual stocks (which is what this forum focuses on). Most folks who try to pick individual stocks will do worse than if they just bought VOO/VXUS, as we discussed above. So newbies should always start with the basic VOO/VXUS, and only add on individual stocks if you are bored and want excitement. Don't rush into it - it's not necessary to ever buy an individual stock, and if you don't know what you are doing, you'll just worsen your performance. Good luck\~

McKoijion

Lol even BND is down 0.64% today.

calmnutz

I’m trying to sell puts on bond funds like BND and SCHZ right now, but they’re not really liquid. I may as well just buy as the 10Y spikes.

subfloorthrowaway

You can just do VT as a conservative bet, which is basically 60/40 VTI/VXUS. I like 70/30 VTI/VXUS personally, but all-in VT is fine too. You are very diversified with this. If you want to be even more conservative toss in 10% BND or VBIL or SGOV.

Opeth4Lyfe

SGOV for any kind of bonds. Just look what BND did since 22’…..not very good. TLT is even worse.

Stock_Advertising718

If that happens again we are all screwed. I’m going to increase international like everyone else is apparently doing and keeping 30% on bonds BND, MM (until yields drop below 2.5%) and alternatives like GLD and BITC ETH GRNI JEPI JEPQ

crashnbash25

Nice. Yep im around 10% BND, 25% VXUS, 40% VOO and 25% stock. (For my non sgov positions) I bought Sandisk at $38 a share (had 115 shares), NVidia at $90 a share, reddit at $90 a share (100 shares) and I did Netflix calls when then were at $80 but I sold prematurely when it hit $92. Coulda milked it a bit more I sold off most of my Sandisk but still have my NViDIA and am going hard into Reddit since I think its super undervalued.

Sad-Teaching30

A broud based index fund that tracks the us market, the international market, and if you are risk adverse or close to using the funds, a total bond fund. VT is an example that covers the full world and BND and BNDX are two of many bond funds.

dudeatwork77

Guaranteed to grow? I’d buy some BND

EveryPassage

TDFs generally don't have a large portion of long duration bonds. BND is down 1%

D74248

IMO because the followers of Jack Bogle have become a dogmatic church. If it did not exist when he was active, then it is "market timing" or some other heresy. Another example in addition to your alternative indexes are defined maturity bond ETFs. If they had existed earlier Bogle might have been all about using them to build bond ladders. But they didn't, so today the bogleheads are still all about BND.

abstractraj

VT and chill. It covers the world. You’ll be diversified across thousands of stocks. Shift some into SCHD/BND closer to retirement

Excellent_Row8297

BND, GLD, VTI, VXUS all down in my portfolio today. But PINS is ripping. Who would have thought PINS would be my safe haven.

mrpuma2u

Buy some safe stocks and or ETFs (VTX BND Apple stuff like that) and sit out on the risky stuff.

MomentPrestigious180

BND is a growth stock now compared to SPY on YTD chart lmao.

DopeCyclist

Rather than swing trading, you would be further ahead and have less stress just plopping it all into VT and keeping buying as soon as you have money. Add bonds BND to your risk tolerance and keep the allocation the same no matter what.

GrapeAyp

I just buy VT and BND

Alternative-Boot9256

Since you already have the S&P 500: A fund like VXF would give you the rest of the US market (small and medium companies), VXUS would give you international companies (outside the US) and/or BNDW would give you a sampling of the global bond market (or BND if you only want US bonds). I used Vanguard funds as examples because that's what I'm familiar with. By combining those 4 components to taste (large caps, small/mid caps, international and bonds) you can put together all kinds of different portfolios for different risk tolerances.

ConcentrateOk523

Should take my 20 percent in BND and BNDX and put it in NVDA. BND and BNDX literally do nothing for my portfolio for 10 years.

DSCN__034

It's a reasonable choice assuming you understand that a 10% drawdown in the stock market could leave you with a 15% decline value in your fund. (Assuming the bond portion doesn't completely mitigate the loss.) Another option might be to put 30% in VT and 70% in BND, then with a market downturn you could use the bond portion to pay for expenses, allowing time for the stock portion to recover. This is what retired Bogleheads tend to do.

TreGet234

Junk bond spreads are apparently at 20 year lows. The market has priced in a perfect soft landing with almost no default risk on corporate bonds. In fact, spreads have been compressing, ie yields on corporate bonds have overall been coming down while long treasury yields have been creeping up. (Hence the strong performance of corporate bond etfs especially compared to treasuries) That all sounds...concerning. Even spreads on EM bonds and southern european bonds are very low. Though there is a divergence in lower grade corporate bonds (literal 'junk'). The 'investment grade' corporate bonds from the likes of JPM, Oracle and Pfizer are effectively priced with minimal default risk. Spreads on lower grade corporate bonds (available through private credit, etfs like BND generally only have investment grade corporate bonds) have indeed been rising. Credit default swaps (insurance against defaults) have been rising on them too. Idk man the markets have priced in a weirdly perfect economy. God i hate bonds. The more you learn about them the more complicated they become. Maybe i'm stupid though, just wondering what will be the trigger for the next crazy once in a lifetime crash that happens every couple years these days.

TreGet234

Not trusting the corporate bonds and mortgage backed securities in BND even if those are the best performers. God everything is so fucked.

Just_Review_6635

Tbh I’d do $500/ VOO, $200/ VXUS, $200/SCHD, $100/BND if you really wanna split it like that

TreGet234

BND looking sexy.

Heyhayheigh

If you’re going to do yourself, SGOV and BND for whatever suitable bond portion for your risk profile. You’re already in broad index. Just remember to only sell when you have something urgent to pay for.

W8tLifrN00b

Uh, yeah. Going that heavy in on one company is a “do at your own risk.” The first thing you need to do is figure out the tax implications of selling. If you inherited a Roth IRA, you should be good to buy-and-sell within the portfolio as much as you want. You’ll get taxed when you take distributions. Also, if your grandmother would’ve been old enough that she would have been required to take minimum distributions every year, you’ll need to be aware of that. If it’s a regular investment account, I think the amount you inherit is treated as your starting cost basis, but PLEASE CHECK with an expert or your brokerage ASAP. The second thing (assuming you don’t like 50% in any one company) is to trim that position down to 5% or less. The third thing is to rebalance. I personally like the all-world ETF (VT) that others are recommending you make as your majority holding. You can leave yourself about 15% of the portfolio as your “play” money for individual companies (including your Tesla position should you decide to keep it). That, ultimately, is up to you. I would actually recommend putting around 5% in BND (bond ETF for monthly coupons) even though you’re young. Beyond that, you’ll have to do some more work. Just make sure you hang onto that caution that you expressed about being too aggressive (even in sector-specific ETFs.) Good luck!

chris_r_jones

Hi, all. I'm a 51M from the US. I am reallocating my portfolio (mainly to simplify and minimize fees/expenses) with an \~8 year horizon to retirement. I'm getting on the simple low expense ratio VTI/VXUS/BND ETF bandwagon with a 50/20/30 split. However, I'm wondering if I should split the BND portion into BND/BNDX/VTG to increase the government percentage (less corporate) and foreign market exposure. I know that there is a lot of debate over investing into bonds at all. Please give me your advice/suggestions concerning that I do want to invest into bonds as a portion of my portfolio. Also, percentage suggestions are welcome too. Thanks!

cheddarben

51 right now -- Equities – 65% total Individual Stocks – 10% Standalone, high-conviction positions Equity ETFs – 55% US Equity – 25% Developed International – 20% Emerging Markets – 10% --- Bonds – 25% total US Aggregate (BND) – 17% International Bonds (USD-hedged) – 8% --- Alternatives – 8% Diversifiers (gold, REITs, trend, infrastructure) --- Rando – 2% Opportunistic / experimental capital

ConcentrateOk523

Nothing against Vanguard advisors but they recommend the standard 4 fund portfolio of VTI, VXUS, BND and BNDX. In July 2016 this is what the advisor recommended to me at age 49 and told me to put 35 percent in BND and BNDX and 26 percent VXUS. I went with 20 percent bonds. My portfolio would be at 4 million if I just went without the bonds. If I did 35 percent bonds and their recommended portfolio I would be at about 2.5 million. I am at 3.1 million.

TrashPanda_924

Late 40s. 75% VTI/VOO, 15% VXUS/Fidelity Int’l Fund, 8% BND, 1% BTC, and 1% physical metals. Planning on working until 65 if I enjoy my job, but have the flexibility to FIRE sooner if I’m ready to call it a day.

TDn6I

My bonds are split between SGOV and BND so part of mine is also a short term/emergency savings vehicle.

ClosedDimmadome

If you don't know what you're doing, or even if you do, most people are better off investing in diversified index funds. I highly recommend against picking individual stocks or even specific sectors with any significant amount of your retirement savings. Look into the Bogleheads forum. A simple 3 fund portfolio with VTI, VXUS, BND is often recommended. What got me started was my employers automatic contribution. I started contributing 6% pretax and it automatically goes to 10% unless I would have stopped it. Decided I didn't want to retire at 65-70 like most people so I bumped it 15%. Then 20%. Now I'm sitting at 28% including my companies match hoping to retire at 55.

OxRedOx

Check expense ratios and compare the returns on these assets over the last decade to SPY/VOO/VTI on one hand and BND on the other. I personally would be a bit risk averse because I feel like be markets are overvalued but you should invest it soon in diversified ETFs (not just in VOO but also things like VT, DIA, VGK, some bond ETFs, etc) and some portion in a HYSA so you can take money out and put it in while you’re in college.

ServerTechie

Well first of all, if your company matches a percentage of 401K contributions, always contribute that matching percentage at minimum since it’s free money. If you make combined less than $236K combined, you can contribute $7500 each to a personal Roth accounts, so be sure to max that out. $236 - $246k limit is $7000 each Roth, after that it’s not allowed. If you exceed $246K, then better to max the company 401K Roth if applicable. Then again, if you’re making that kind of money then chances are you’re better off with traditional IRA given your higher tax bracket. The advantage of a personal Roth thru a retail investment firm like Fidelity is typically more control than 401K plans. As far as diversifying I recommend a portfolio like this: 45% IVV/VOO (S&P500), 15% AVUV (active managed small cap value), 30% FENI/FNDF/VEA (international developed market), 10% FNDE (emerging market). As you age, you should steadily add & increase BND allocation, to create a glide path that protects the portfolio from drawdowns.

herring-net

A chill portfolio this close to retirement should have some easygoing income ETFs in it like SPHY, JAAA, BND. You don’t want a AI bubble pop harshing your retirement mellow. 

CursedClownz

I do 40%VT and rest of the 60% 10% FTEC 10% SMH 10% AVUV 10% GLD 10% BND

SynapticMelody

Have some funds allocated to a bond market ETF like BND in your IRA. Increase the allocation percentage to be more heavy as you approach your target date. It's also not a bad idea to work in an international ETF, like VXUS.

Cruian

A good number of SCHD is inside VOO as well. The 3 fund portfolio is a bit of a misnomer, the number of funds matters less than having 3 main areas covered (I can design a 3 fund portfolio concept using anywhere from 1 to about 7 funds with little to no overlap - your target date funds in the 401K is one example of the 1 fund setups). VOO could be used for the US role, but you'd have zero international (which can be beneficial to both returns and volatility compared to US only) and zero bonds or similar (which may be fine while young, if you can truly stomach the volatility of 100% stocks). One example (out of many possible) of a 3 fund portfolio using ETFs would be VTI (US stocks) + VXUS (international stocks) + BND (bonds).

tidepill

VOO and VTI are extremely similar, they track each other very very closely... either one is fine. To really diversify you should put some into VXUS and BND.

duhph

Buy VTI and VTUS and a little bit of BND. Easy as that.

brewmasterlite

Have some BND. Has been doing well!

Fat_tail_investor

If you have $20 million, you certainly want some bonds but not 100% bonds. If you have a basic 60% VOO and 40% BND portfolio, the experienced volatility is of little concern as long as your spend is below the long term CAGR. Don’t confuse standard deviation with permanent loss of capital.

Bam2458

BND is outperforming SPY this year 😆

Excellent_Row8297

Is it bad when BND if outperforms SPX YTD?

Moustachiou

Research ETFs and Index investing , set it and forget it. You are are18 years old, Penny stocks are basically gambling for you!!! that 1845$ could go to zero if fully invested in penny stocks. Look into SCHD ,VTI, VOO, REIT, bonds (BND) and diversify with like international ETF. You can also buy some individual stocks like HOOD, BE, PLTR, RBLX, Apple, Amazon, or Microsoft. Pepsi, KO, Solid business. forget about the bubble , market will adjust and correct eventually..... You could also consider Joby or Archer if you’re interested in emerging technology, but only after doing proper research. They’re still speculative, but way better than whatever you’re doing with penny stocks. For the love of God or the universe, whatever you believe in , sell your penny stocks and invest accordingly. With your high-yield savings account already in place, you can focus this account on growth ETFs and index funds instead.

Excellent_Row8297

I hope SPY hits 700 today for all you regards so you can finally outperform BND on the 1-month chart 🥰

CallMeBao

In my 5 years of having a Roth Ira, my highest yielding stock was IVV, everyday $2 investment, gained me 3x than the other recommended stocks like VOO, BND, VEA, VONG and so and so.

Excellent_Row8297

Don’t stop there, might as well go whole hog into BND

whywires

I recently inherited a brokerage that seems to have some similar assets and would like some feedback. * BBJP + EWJ. These seem pretty close with similar holdings and objectives. What might be the reasoning for owning both? * There are also several bond funds - BND, BNDX, GOVT, VCIT, VTABX. I know a couple of those are international (one being ETF and one mutual fund), but it again seems like some of these are basically going for the same thing. Just curious if anyone has some strong thoughts on this.

a5ehren

If he’d stacked VTI he’d have like 300k instead of -60k. Even if he did a terrible pick like BND he’d have like 150k+dividends

RandomGamer414

Wow how tf did BND perform as well as something like PHYZX junk BOND fund! I’m kinda shocked tbh . Learned something today for sure

RandomGamer414

Did BND make nearly 7% last year because the performance of the chart you linked showed this one did

CmdrChesticle

BND.

FINomad

Ok, what is your AUM fee with EJ and ML? What are the expense ratios of the funds you're in? And what other junk fees are you paying? Any commissions, quarterly fees, etc? Now compare your fees to Vanguard's advisor fees. It would cost you 0.30% for the advisor and they'll probably have you in a mix of VTI/VXUS/BND, which have an expense ratio of .03%/.05%/.03%. My bet is you're paying over 1% AUM and your expense ratios are at least .20%. You shouldn't be paying more than 0.35% combined.

PennyStonkingtonIII

I think BND looking pretty good right now. I bought some MSFT on the way down @ 427. I bought a bit of RDDT at 152. But I’ve been buying SGOV all year and just bought some BND. I think there will be some big volatility between now and midterms. I’m counting on the potus to do something(s) crazy between now and then. But I always like MSFT. That will be one of my targets to try and bottom tick if possible.

Excellent_Row8297

BND etf 😂