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Personal Investments • Why does Vanguard target retirement have 40% of equities in international?

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How much diversification is too much? How about including gold, silver, real estate, diamonds, rare books, art work, old records, postage stamps, autographed baseballs, etc etc.
Didn't take long for this tired argument to appear.

It would be a fine argument if any of those things had intrinsic value and ability to generate income.
Why does the asset have to generate income? If the price of an asset keeps increasing, isn't that worth holding?

For example, think of Berkshire Hathaway.

A collectible or fine art can also increase over time. The older tapings of the Antiques Roadshow often show a current higher value for the antique. (I love the items bought for a low price at a garage sale that no-one but the buyer were interested in at the time.)
Berkshire Hathaway still generates earnings that are reinvested. This causes the firm's value to increase if the earnings are redeployed well. Collectibles like art earn nothing. They are only worth what the next person will pay for them.

Statistics: Posted by Agitated_Analyst — Fri Sep 27, 2024 8:03 pm — Replies 50 — Views 5426



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