10/19/2022

“I want to help my 36-year-old daughter establish a retirement portfolio. What do you think of using Vanguard Life Strategy Moderate Growth Fund (VSMGX)?”

Chris answers by suggesting a better answer may be a Target Date Fund and shows the  Vanguard Target Date Fund Glidepath. See this and other charts and tables mentioned here .

“Can I expect to invest in the funds you recommend today and hold them for the rest of my life?”  Daryl’s answer is yes, using our 4-Fund portfolio. He shows why by comparing the Total Market Index funds to our “No-Nonsense Portfolios” in  Table 1a:  “No-Nonsense Portfolios for Sound Investing: Equity Asset Allocation” and  Table 2a.1, which shows “Comparison Data,” drawing special attention to our U.S. Only 4-Fund Portfolio over the Total Market Index and S&P 500. 



Daryl also offers a third Table, “No-Nonsense Portfolio Performance Rankings by Decade (1970-2021).  See these and all charts and tables mentioned here.

MORE LINKS



Rebalancing:  The implications of adding a small amount of small-cap value to a Total Market Index portfolio. See this Table.

You can get your copy of Larry Swedroe’s book,  Your Complete Guide to a Successful & Secure Retirement  at:  https://amzn.to/3gb3noz .  If you purchase via our link, it may result in our Foundation receiving a small commission that supports our financial education outreach at no additional cost to you.

Read this FREE chapter from Larry’s book, “The Asset Location Decision,”   courtesy of Mr. Swedroe and publisher Harriman House.

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