Comments on: My Proposed Retirement Portfolio Allocation

By: My Financial Goals for 2010 | Realm of Prosperity

My Financial Goals for 2010 | Realm of Prosperity — Sat, 02 Jan 2010 21:00:08 +0000

[...] Max out my Roth IRA. Pretty straightforward. I’ve taken time to seriously create my own fund allocation setup for my investment portfolio. Ever since putting in my first $1,000 into a mutual fund, I feel somewhat addicted to saving up [...]

By: Adam

Adam — Mon, 21 Dec 2009 22:35:31 +0000

“It seems that the economy was a good sign to 20-year-olds that we need to manage our finances better.” Haha. I got into PF at the start of 07 (when I was 20) so am a bit jealous that PF then became ‘popular’ with the crashing economy (j/k…its great people are becoming more proactive… I also think its great how the internet has broken down information barriers so anyone can find out about anything as long as they want it).

Being in the UK, Vanguard isn’t as accessable so I prefer indexing with Fidelity. I’ve avoided REITs because I believe that companies are much more likely to create real value rather than dirt on the ground. And as I’m thinking long-term I figure that my asset allocation will swing towards real-estate when I buy a property in a few years time.

By: Simon Zhen

Simon Zhen — Sat, 19 Dec 2009 02:42:33 +0000

It’s so nice to see so many other young adults taking control over their financial future! It seems that the economy was a good sign to 20-year-olds that we need to manage our finances better.

@Adam: Why no REITs? Good dividends and has picked up steam recently.

@Meg: Word, ETFs are in! Hehe, VWO certainly has been performing nicely – lucky you. I’m slowly putting money in and VWO or VNQ is probably my next buy. Will probably fall in love with VWO also (if it goes up that is).

By: Meg

Meg — Sat, 19 Dec 2009 02:20:40 +0000

Oooh, join me in on the love for Vanguard’s Emerging Market ETF. That baby has all but made my portfolio. I’ve felt like such a savvy investor ever since I picked out my own allocation. (Like you, mostly Vanguard ETF’s. For the same reason too.) I think I also have the Total Market ETF and Small Cap ETF myself as well, plus Large Cap and Mid-Cap. All Vanguard ETF’s. Viva la ETF!

And FWIW, I’m 21, so I feel ya on the stock portfolio. I did throw in some bond market ETF’s, just for a bit of balance. (But then switched to the Large Cap when the market started to go back up.)

By: Adam

Adam — Thu, 17 Dec 2009 00:19:04 +0000

Good luck Simon! Just wanted to offer encouragement from an investing peer (I’m 23 so hopefully at our age we’re both ahead of the game!). I have a similar strategy but without REITs.
I will be reading with interest.