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?
Resources Mentioned in the Video:
1. Empower: https://go.robberger.com/empower/yt-fqf
2. Stock Rover: https://go.robberger.com/stock-rover/yt-fqf
3. Vanguard Paper: https://corporate.vanguard.com/content/corporatesite/us/en/corp/who-we-are/pressroom/press-release-vanguard-releases-2025-economic-and-market-outlook-121124.html
4. Portfolio Visualizer: https://www.portfoliovisualizer.com/
5. Testfolio: https://testfol.io/
6. FICalc: https://ficalc.app/
7. Trinity Study: https://www.aaii.com/files/pdf/6794_retirement-savings-choosing-a-withdrawal-rate-that-is-sustainable.pdf
0:00 - Intro
0:59 - Can one Fidelity fund beat the Vanguard 3-fund portfolio?
7:41 - How do expense ratios work with fund of funds?
12:28 - Taking a yearly percentage out of your portfolio at a later age/4% Rule
18:11 - How to Track a Complicated Portfolio
24:42 - What should we make of Vanguard's paper that indicates a better asset allocation for retirement income is a majority of bonds?
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While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. I've since sold my websites, bought them back, and started a new website and this YouTube channel.
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