http://gotoretirement.com/2009/02/all-weather-lazy-couch-potato-retirement-portfolios/ A Baby Boomer's Journey from Retirement Planning to Retirement Living Wed, 10 Mar 2010 20:21:47 +0000 http://wordpress.org/?v=2.9 hourly 1 http://gotoretirement.com/2009/02/all-weather-lazy-couch-potato-retirement-portfolios/comment-page-1/#comment-277 Dave Fri, 06 Feb 2009 03:56:20 +0000 http://gotoretirement.com/?p=1085#comment-277 It was Scott Burns columns that years ago convinced me to pay off my mortgage (because the combination of capital appreciation and "shelter services" almost equaled stock market returns with no risk) and also to diversify my portfolio among not only U.S. stocks and bonds but to include foreign, emerging market, REITs and TIPS. I'm also a fan of John Bogle, late of Vanguard, William Bernstein, author of The Four Pillars of Investing, and, most recently, Craig Isrealsen with his 7Twelve portfolio. That being said, there is a common thread through all of their study and research: Diversify amongst asset classes tilting more toward equities when you are young and more toward bonds the older you get. As John Bogle once said, you could do a whole lot worse than putting half your money into a Total Stock Market Index fund and the other half into a Total Bond Fund, rebalance once a year and let it stay that way forever. It was Scott Burns columns that years ago convinced me to pay off my mortgage (because the combination of capital appreciation and “shelter services” almost equaled stock market returns with no risk) and also to diversify my portfolio among not only U.S. stocks and bonds but to include foreign, emerging market, REITs and TIPS. I’m also a fan of John Bogle, late of Vanguard, William Bernstein, author of The Four Pillars of Investing, and, most recently, Craig Isrealsen with his 7Twelve portfolio. That being said, there is a common thread through all of their study and research: Diversify amongst asset classes tilting more toward equities when you are young and more toward bonds the older you get. As John Bogle once said, you could do a whole lot worse than putting half your money into a Total Stock Market Index fund and the other half into a Total Bond Fund, rebalance once a year and let it stay that way forever.

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