That's almost exactly my approach, except both taxable and tax-advantaged are all VTSAX, with 1% cash. No rebalancing required. No bonds.Yes, I think we are saying the same thing. Image may be NSFW.Why would you treat new money differently than old money other than for capital gains tax reasons? If it makes sense for all your new money to go into small caps, wouldn't it make sense to put all your old money there too?Stay the course, as always. Never sell.
For new money buy US small caps, which are historically cheap.
That’s my plan.
I would propose it would be best to just stay the course with a static asset allocation. Of course, that probably means new money this year is going to international stocks, bonds, and real estate rather than cryptoassets or US stocks. So maybe we're saying the same thing.
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I’m following my IPS:Jack Bogle talked about “Buying right and holding tight.” And by holding tight he meant forever. I’m following his advice.
- Maintain an AA of 99% US stocks and 1% cash.
- All tax-advantage money goes to VTSAX.
- All taxable money goes into either Vanguard Tax-Managed Capital Appreciation Fund or Tax-Managed Small Cap Fund, depending on which one is trading at the lowest PE according to Vanguard’s website.
- Never sell a share and never rebalance. Stay the course no matter what. Buy and hold is eternal.
https://youtu.be/mYSAO0PAWdw?si=tU1QMc24XJ-1Z541
Statistics: Posted by r.walker — Tue Mar 05, 2024 4:10 pm — Replies 16 — Views 1765
