3 or 4 Fund Portfolio? Why do Bogleheads and Vanguard disagree about exposure to International Bonds? Bogleheads advise a three-fund portfolio containing US and International equities (globally diversified) but submit that US bonds are sufficient. Vanguard recommends a four-fund portfolio that includes […]
Lifecycle Investing and 100% Equities for Life One hundred percent equities for life? That’s what a new paper on lifecycle investing recommends. Beyond the Status Quo: A Critical Assessment of Lifecycle Investment Advice was published earlier this month and reported […]
Sequence of Inflation Risk Sequence of inflation risk may be a new phrase for you, but we all know that inflation significantly affects those in retirement. Now that inflation is back in the news, retirees want to know how inflation […]
Roth Conversions Let’s talk about what is new for Roth Conversions. The point: there are many different types of Roth conversions, and they may be affected differently by changes in the law in the next few years. Let’s start with […]
Upstream Gifting and Gifting Gains What is upstream gifting? What if you gift your elderly parent an asset with massive capital gains? What if they hold it until they get the step-up in basis at death, and then you inherit […]