Oh yeah I got that. I am a one funder myselfI'm not recommending this for OP, I'm just showing that I practice what I preach -- simplicity. But I recognize that not everyone is a two-funder like me, thus I'm suggesting boiling it down to some combo of VTIAX, VTSAX, BND and VTABX, and put some thought into the proportions (ideally documented in an written investment policy statement), rather than this more complex mix which IMO will be difficult to manage & predict.Only VTSAX/VTI and a ca muni? That seems interesting for a 2 fund.
Personally I'd melt all this down into some combo of VTIAX, VTSAX, BND and VTABX (honestly I wouldn't bother with VTABX unless you are outside of USA). A portfolio which is easier to understand, easier to model, more predictable and thus less prone to causing anxiety. For reference, I have just 2 holdings (across all accounts) ... Total US and CA muni bonds. That's it.
On a given day, without looking at my account, I can tell you within a few hundred bucks how much I made that day (or lost... I just ignore those days), and within a few hundred bucks what my bonds paid out each month, and precisely what my "retirement income" would be if I retired that day. I sleep like a baby as a result.
. I just had not seen a mention of a muni as the bond portion of a 2 funder before.The simpler the better IMHO.
Statistics: Posted by cosmos — Fri Aug 02, 2024 1:51 am