6/17/2020

1. How do long term returns for small and large cap growth indexes compare to long term returns for small and large cap value indexes? 1:10


2. How do required minimum distributions fit into your  distribution tables ? 6:15


3. Am I right in assuming the  4 Fund Combo and  Ultimate Buy and Hold strategies can be used at any age? 7:46


4. How does an investor put together a portfolio when their 401k does not have all of your recommended asset classes in either the  4 Fund Combo or the  Ultimate Buy and Hold strategies? 15:12


5. I would like to move to the  Ultimate Buy and Hold strategy.  Should I sell everything and just start over or dollar cost average over time? 20:40


6. I want to use the  2 Funds for Life strategy but I’m 62 and not sure it will have much impact. What do you suggest?   See the article , “ Making The Most of Your Target Date Funds Before and During in Retirement ”. 24:00


7. Instead of a Vanguard target date fund, what about building a portfolio of individual ETFs representing the Total U.S. Stock Index, international stock index, international and U.S. bond indexes?   See a new study from Wharton , Target Date Funds and Portfolio Choice in 401(k) Plans 29:50


8. What are your thoughts on an all-value portfolio that is 1/3 each large-cap value, small-cap value and international value asset classes? 38:00


9. Is there any magic in the way you have built up the 10 and 4 fund strategies? 40:25


10. Do you have any studies that assume taking a higher rate than the safe 4% distribution to allow me to delay drawing Social Security so I can maximize my Social Security payments?  See Table. 44:05


11. What asset classes do you recommend for the bond portion of your portfolio?  The Vanguard Portfolios show the bond funds we recommended. See:  Vanguard mutual funds and  Vanguard ETF portfolios. 51:02


12. With bond returns so low, has that altered your thinking on the percentage of the portfolio devoted to bonds? 54:49

/12-qa-from-san-diego-aaii