My Porfolio 2022 going forward?
Now that I got that out of the way
Synopsis¶
I am a quant/mechanical investor at heart. I no longer have the time to do quant work or stock picking. Sad to say, I am going the ETF route. Something safe and diverified. I like the concept of not looking at my portfolio and have it just work.
I have had a few choices:
- Vanguard Target Retirement 2030 Fund (VTHRX)
- Some other Targe Date fund
- Some combos of ETFs
- Continue to overthing or stess out buying individual stocks
What is good about the latter is that you can decide your own allocation. Because of my situation, I do not need to be in bonds at all. the rule of 120 or 100 does not apply. My current retirement fund functions as such.
In spite of my age. a 100/0 or 90/10 stock/bond ration is acceptable
For my main profolio, I am going for a 90/10 stock/bond and 60/40 US/International. I would prefer a home bias, but from what I read, going forward, the United States might not be all that.
Side note: Most US firms are really international/multinational. The benefit of US stocks is the SEC and regulators.
Now for a quick look at the plan.