Welcome to another edition of Five Question Friday (FQF). Here are the 5 questions:

1. Can one Fidelity fund beat the Vanguard 3-fund portfolio?
2. How do expense ratios work with fund of funds?
3. Concerning the 4% rule, which I believe the analysis runs out for 30 years, if someone starts to take a yearly percentage out of their portfolio at a later age, say in their mid-70s, can the starting point of 4% be safely increased, and to what?
4. How to Track a Complicated Portfolio
5. What should we make of Vanguard's paper that indicates a better asset allocation for retirement income is a majority of bonds (like 40% equities, 60% bonds!) as opposed to long-established portfolios that are more like 60/40 in favor of equities.  Even Bill Bengen didn't recommend going below 50% equities, right?

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Get 10% off the cost of ProjectionLab with promo code RBERGER-10 using this link: https://go.robberger.com/projectionla....

In today's video, we'll look at the following features of ProjectionLab:

1. Export/Import Data
2. Income/Expense
3. Tax Analytics
4. Drawdowns
5. Bond Allocation

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Today, the SEC announced a $106.41 million settlement with Vanguard following moves Vanguard made in 2020 that resulted in excessive capital gains distributions to retail investors. In this video, I'll walk through the settlement order and what it means to investors.


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In today's episode of Five Question Friday (FQF), we start with a strategy you might consider if you want to leave your expensive financial advisor but you are afraid of going it alone. Here are all the questions in today's show:

1. How to leave your financial advisor
2. TIPS ladder vs BND
3. Are Target Date Funds a Reasonable Option
4. If a person has over $250,000 in a Fidelity account, should they open up another account - say with Vanguard, Schwab, M1 Finance, or perhaps another brokerage - elsewhere as well?
5. How do we rebalance assets in Boldin? If we enter a 60/40 portfolio today, after a few years, it turns into 80/20, which means the software is not rebalancing automatically.2. For the BND fund, what rate of return will you use?

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We start this week's Five Question Friday (FQF) with a question about whether a 2% investment fee is crazy. Here are the five questions:

1. Am I crazy to be paying a 2% fee to manage my investments at Morgan Stanley?
2. Can you analyze 100% BND versus 50% BND and 50% VIPSX.
3. In Boldin, what are you setting as projected returns?
4. How should I invest if I don't need the money in retirement?
5. Is direct indexing worth the cost and complexity?

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With five years to go before retirement, there are several steps you can and should take to prepare. In this video, I'll cover 13 things to consider as your retirement date draws closer.

Resources mentioned:

Boldin: https://go.robberger.com/new-retireme...
Tiller: https://go.robberger.com/tiller/yt-5-...
Rocket Money: https://go.robberger.com/rocket-money...
Lunch Money: https://go.robberger.com/lunch-money/...
Vanguard Asset Allocation: https://investor.vanguard.com/investo...
Open Social Security: https://opensocialsecurity.com/


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At least once a year it's important to review your investment portfolio and make any necessary adjustments. Here are the 10 things I check every year:

1. Write down your planned asset allocation
2. Compare your actual allocation to your plan
3. Evaluate individual holdings
4. Evaluate your asset location
5. Confirm you have beneficiaries listed for each account
6. Check your performance for the past year
7. Check for excessive stock concentration
8. Evaluate your advisor relationship & fees
9. Make sure you have 2FA on all financial accounts and email
10. Evaluate if you can simplify your portfolio

Resources

Empower: https://go.robberger.com/empower/yt-y...
Investment Tracking Spreadsheet: https://robberger.com/investment-trac...
Morningstar: https://www.morningstar.com/
ETF Overlap Tool: https://www.etfrc.com/funds/overlap.php


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Welcome to this week's edition of Five Question Friday. Here are the questions we'll be covering today:

1. Should you include the value of your home in your asset allocation?
2. Should we tilt our portfolio to 10% SCV?
3. After-Tax Asset allocation
4. Tips Ladders vs ETFs: If for example we had 500k for our fixed assets portion of our portfolio, what are your thoughts on building multiple TIPs ladders with all 500k to meet our retirement goals vs. a more diversified mixof t-bills, CDs, Agency, Corporate, and TIPs?  I am leaning toward the more "diversified mix."
5. Roth conversions and Rate of Return Assumptions

Resources:

Boldin: https://go.robberger.com/new-retireme...
Bolgeheads' Wiki: https://www.bogleheads.org/wiki/Tax-a...
Reichenstein Article: https://www.financialplanningassociat...


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Morningstar recently released its annual State of Retirement Income report. According to its calculations, the new safe withdrawal rate is 3.7%. The report offers some excellent data and analysis that can help us as we build our retirement income strategy.

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Over the past four years I've received tens of thousands of questions about investing from viewers. I've assembled 9 of the most frequently asked questions in this video. Here they are:

1. Should you pay off debt or start investing?
2. How do I get started investing?
3. Is 100% stocks a reasonable portfolio?
4. S&P 500 vs Total Stock Market Index
5. Why do I need international stocks?
6. Should I invest in Bitcoin?
7. How do you know when you can retire?
8. Lump Sum vs DCA
9. How can I increase my savings rate?

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