Questions from Paula Pant

While I was at the Bogleheads conference in Minneapolis earlier this year, I had a lengthy interview with Paula Pant. 

I enjoyed the interview and found lots of questions and comments under the YouTube presentation that I wanted to answer. 

While I wrote short comments on the site, I decided many of the questions were worthy of more discussion.Here is a link to the  YouTube  interview and  podcast :

#1.  “Most of my holdings are in cash as I cashed out last time the market went down.  How do I stay invested and think long-term to help me ride out the ups and downs of the market?”   02:17

#2.  “I’m just beginning my investment journey and planning to put 85K into dividend stocks so that I will be making up to 30% per year in dividend returns.”    https://rethinking65.com/the-preference-for-dividend-paying-stocks-is-irrational/   10:41

 #3. "What Fidelity Funds do you recommend to build your  4 Fund Portfolio ?"    15:00

#4.  "How often do you recommend rebalancing the 4 Fund Portfolio?"  17:02

#5  "Nobody knows what’s going to happen next so we should practice some humility and CHOOSE a strategy with a long-term edge."  What is the edge and what else do you need to know dividend stocks k?  21:02

#6.  "I”m not looking to beat the S&P 500…I’m more than happy with the returns I get from it.”  Does that mean it’s right for you?  24:36

#7.  In response to Paul's recommendation of the 4 Fund Portfolio this is what one viewer said, “For what it's worth, backtesting shows his proposed fund portfolio does not do better than VTI or VOO.”  Paul responds.  28:32

#8.  "The only small cap value available in my 401k is DFSVX which has an expense ratio of .30%.  Is this expense ratio too high?  32:32

#9. "Can you give ETF recommendations for all of the equity asset classes?"    Here are the Best In Class recommendations.  35:23

#10. "How do you fund a Roth IRA when a child doesn’t have earned income?" #11.  Please recommend more information on how I might adjust my 401k.  We're talking millions  and  2 funds for life . 36:37

#11 "Would you accomplish similar performance results by setting up a strategy using sector diversification instead of asset class diversification?"  40:01

#12  "I’m helping my 17 year old daughter with her Roth IRA.  What do you think about shooting for an all equity 40/30/30 portfolio of US small cap value/S&P 500/Total International market?”  42:23

#13. “This guy has been pushing small cap value  and underperforming for years.  Sorry, no thanks."  44:25