$BNDX
Vanguard Total International Bond Index FundSmall cap tilt: yes or no?
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
VTI vs VOO — the one true debate
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
Just switched from actively managed funds to index funds
Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.
Just switched from actively managed funds to index funds
Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.
Rebalancing frequency: annually, quarterly, or threshold-based?
Switched from a 1.2% expense ratio advisor 4 years ago to a 3-fund portfolio. Best financial decision I've ever made.
International allocation: 20% or 40%?
Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.
Expense ratios matter more than you think — the math
Been a Boglehead for 8 years. Portfolio: 60% VTI, 20% VXUS, 20% BND. Simple, cheap, diversified. Annual rebalance. 11.2% CAGR since inception.
VTI vs VOO — the one true debate
VT is the purest expression of the Boglehead philosophy. One fund, global market cap weighted. Zero decisions to make. Expense ratio 0.07%.
International allocation: 20% or 40%?
International allocation debate: I landed at 30% after reading the research. Yes, US has dominated for 15 years. No, that doesn't mean it will continue. Diversification is free insurance.
Rebalancing frequency: annually, quarterly, or threshold-based?
The math on expense ratios is eye-opening. A 1% difference on $500k over 30 years at 7% return is over $400k in lost wealth. Fees are the only guaranteed headwind in investing.