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Talk about all normal (i.e. non-personal) investing questions and points, investing information, and concept.
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Matter Writer
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The New 60/40
60% equities: I’ve about 70% of that in TSM with 10% every of small cap worth US and worldwide and 10% in rising.
40% in diversifiers: 10% intermediate time period Treasuries (IEF), 10% in managed futures (CTA), 10% in a hedge fund tracker etf (HFND), and 10% in gold (GLD).
I might additionally see simply doing 20% bonds and 20% managed futures. I’d additionally love to incorporate inflation linked securities however there aren’t any good non-advisor autos for that.
I might additionally see circumstances for placing in some REITS in core fairness and TIPS in diversifiers.
I’m curious how others are interested by this going ahead.
Re: The New 60/40
I believe you’re being too fancy, and are prone to underperform a useless easy 60/40 VTI/BND portfolio.
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Matter Writer
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Re: The New 60/40
Presumably however I believe most bogleheads are hooked on a 40 yr rate of interest cycle that has ended. GLD and CTA have been performing very well and that’s totally different than it’s been for 15 plus years. An over reliance on bonds to diversify is harmful going ahead in my opinion.
Re: The New 60/40
betablocker wrote: ↑Mon Sep 09, 2024 5:52 pm
Presumably however I believe most bogleheads are hooked on a 40 yr rate of interest cycle that has ended. GLD and CTA have been performing very well and that’s totally different than it’s been for 15 plus years. An over reliance on bonds to diversify is harmful going ahead in my opinion.
in my view , there’s a distinction between bond funds and bonds. I’m retired and with the run up in charges, i locked in 4 to five years of legal responsibility matching funds. This can be a mixture of I bonds, Ideas treasury payments / notes. I bonds and Ideas fill out the additional years.
I too have misplaced somewhat religion in blindly investing in bond funds with out a technique. the previous couple of years have tought me {that a} bond fund with a period of X (like VBTLX with a period of 8 years) might not be a one dimension suits all.
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Matter Writer
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Re: The New 60/40
1moreyr wrote: ↑Mon Sep 09, 2024 6:19 pmbetablocker wrote: ↑Mon Sep 09, 2024 5:52 pm
Presumably however I believe most bogleheads are hooked on a 40 yr rate of interest cycle that has ended. GLD and CTA have been performing very well and that’s totally different than it’s been for 15 plus years. An over reliance on bonds to diversify is harmful going ahead in my opinion.in my view , there’s a distinction between bond funds and bonds. I’m retired and with the run up in charges, i locked in 4 to five years of legal responsibility matching funds. This can be a mixture of I bonds, Ideas treasury payments / notes. I bonds and Ideas fill out the additional years.
I too have misplaced somewhat religion in blindly investing in bond funds with out a technique. the previous couple of years have tought me {that a} bond fund with a period of X (like VBTLX with a period of 8 years) might not be a one dimension suits all.
Agree with the legal responsibility matching. Makes a variety of sense. Cullen Roche has completed some nice interested by asset durations. Issues like managed futures at 20 plus yr autos.
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Re: The New 60/40
That being mentioned I do have 10% in “alternate options” at present 3% IAU (gold) and seven% VNQ (actual property) however I do not know if that helps a lot . 
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Matter Writer
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Re: The New 60/40
1moreyr wrote: ↑Mon Sep 09, 2024 6:19 pmbetablocker wrote: ↑Mon Sep 09, 2024 5:52 pm
Presumably however I believe most bogleheads are hooked on a 40 yr rate of interest cycle that has ended. GLD and CTA have been performing very well and that’s totally different than it’s been for 15 plus years. An over reliance on bonds to diversify is harmful going ahead in my opinion.in my view , there’s a distinction between bond funds and bonds. I’m retired and with the run up in charges, i locked in 4 to five years of legal responsibility matching funds. This can be a mixture of I bonds, Ideas treasury payments / notes. I bonds and Ideas fill out the additional years.
I too have misplaced somewhat religion in blindly investing in bond funds with out a technique. the previous couple of years have tought me {that a} bond fund with a period of X (like VBTLX with a period of 8 years) might not be a one dimension suits all.
Understood. The true distinction between a person bond and a fund is that you just see the loss within the fund straight away and the loss within the bond is hidden till you attempt to promote it. I bonds are a bit totally different in which you can’t promote them to a 3rd occasion and so they have their distinctive lock intervals, and many others.
