SOUND INVESTING PODCAST

7/9/2025

https://anchor.fm/s/10bb8090/podcast/play/105238246/https%3A%2F%2Fd3ctxlq1ktw2nl.cloudfront.net%2Fstaging%2F2025-6-9%2F2b0aed04-e8ef-072b-2821-369bab2d9105.mp3 Paul Merriman
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Show Notes

About This Episode

  • What funds should I use to set up a Roth IRA account for a 21-year-old? 13:06

  • Do you think Vanguard funds will get lower returns than Avantis and DFA ETFs?  21:46

  • Is there a table that represents using the S&P 500 and Aggregate U.S. Bond Index rather than your 3-fund bond portfolio?  26:51

  • I am 45, hoping to retire by 55-60. Is 25% in bonds too little? 31:04

  • Does it make sense to have non-taxable bonds in an IRA? 34:34

  • Your quilt chart (1928-2024) shows a 2-fund portfolio with 50% each small cap value and large cap value. Isn’t that too much in small cap value? 35:39

  • How often should I rebalance?  38:09

  • In your podcasts you talk a lot more about the 4-fund portfolios (WW and U.S.) than you do the all-value portfolios. The all-values have higher returns but you recommend them less often. Why? 40:19

  • Are there conditions where the all-value portfolios will underperform the more balanced portfolios?  40:19. (Answer is integrated with previous question)

  • I’m 57. How much should I have in bonds?  49:30


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