![\"FitDoesWell\"](\"https:\/\/www.technologyinvestor.com\/wp-content\/uploads\/2015\/06\/FitDoesWell.jpg\")
<\/a><\/p>\nAnnaly and all the REITS do awfullly. Ouch. Fortunately we’re out.<\/p>\n
I own five Vanguard funds and ETFs.<\/strong><\/span> I was checking their performance and perhaps looking for others. Here’s my present list.<\/p>\n Conclusion, so far: There’s remarkably little difference in their long-term performance, though VXF does stand out. The numbers come from Vanguard’s web site.<\/p>\n Need more work on this.<\/p>\n Allocation myths. It’s nonsense and dangerous.<\/p>\n There are several reasons: Last year’s allocation doesn’t hold this year. No one would buy bonds today. Second, allocation is an opportunistic thing. Opportunities come along. You have to be ready with cash to jump on them.<\/p>\n Most brokers, financial advisors, money managers, etc. get paid as a percentage of your investments — not your cash. Hence it’s in their interests to get you fully invested asap.<\/p>\n Here’s a little cheat sheet. Print it. Carry in your wallet. Refer to it when you’re visiting or speaking.<\/p>\n<\/a><\/p>\n<\/a><\/p>\n
\n<\/strong><\/span>Walk into any broker, financial advisor, money manager with $1 million to invest. They’ll give you an allocation — so much to bonds, so much to equities, so much (usually very little) to cash. They follow a formula based on your age.<\/p>\n