DR 029: My Investment Portfolio

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This is the twenty-second day in our 31-Day Money Challenge. Over 31 days we’ll publish 31 podcasts, each designed to help you move closer to financial freedom. Yesterday we discussed the importance of keeping mutual fund fees as low as possible. In today’s podcast, I share my own asset allocation plan and the investments I’ve selected to implement that plan.

Sponsors: The 31-Day Money Podcast is sponsored by Betterment and Personal Capital. Betterment and Personal Capital are two tools I use to make investing easier, less expensive, and more effective.

Topics Covered

Here’s my asset allocation, which I discuss in depth in today’s podcast:

Stocks: 80%

U.S. Equites: 40%
Foreign Equities: 25%
REITs: 10%
Commodities: 5%

Bonds: 20%

U.S. Total Bond Market: 10%
Tax-Exempt Muni Fund: 10%

Resources

Day 23: Interview with Brandon Turner on investing in real estate

Published or Updated: July 29, 2014
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.

Comments

  1. Kenneth says:

    Rob, you sound like you have a very complicated, but well diversified, portfolio. Maybe you have fun doing this – no reason to change.

    I’ve got all my Non 401k money at Betterment, one of your 31 day challenge sponsors. Why? I just have to set one number, which I’ve dialed in at 75% stocks and 25% bonds. They take care of the rest, including automatic rebalancing and reinvesting. Here’s what they invest in, very similar to your portfolio. Why make it hard? My time is better used for playing golf, playing with the grandkids, housework and travel.

    Betterment

    Stock ETFs
    VTI US Total Stock Market
    IVE US Large Cap Value
    IWS US Mid Cap Value
    IWN US Small Cap Value
    VEA Developed Markets
    VWO Emerging Markets

    Bond ETFs
    SHV Short Term Treasuries
    VTIP Inflation Protected Bonds
    AGG US High Quality Bonds
    LQD US Corporate Bonds
    BNDX International Bonds
    VWOB Emerging Markets Bonds

    This would be way too complicated for me to figure out the ratios and keep them current. Betterment does that automatically for me, for 15 basis points. Also, in 2 years, I’ll be going into withdrawal phase. I plan to take 4%/12 each month, or 0.3333% monthly. Betterment will take out of my funds in proportion to rebalance them. What could be easier?

    • Rob Berger says:

      Kenneth, thanks for sharing your strategy. That is one of the big benefits of Betterment. Very, very easy to use and maintain.

  2. Karla Henrichon says:

    I just wanted to ask your opinion. I see that you seem to like Betterment as do I. I started a rainy fund with them as you had mention in some past blogs. Now I am getting emails regarding rolling over my IRA due to the fact that their fees are less than probably mine (fidelity), honestly I have no idea what my fees are, however with a company like Fidelity I am assuming quite high. I am not rich by any means so every little bit counts for me and my family. I was wondering what are your suggestions regarding possibly doing something like this? My only concern is that Fidelity has been around for awhile, while Betterment is fairly new, even though I am very happy with my rainy fund. Just looking for advise.

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