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Author: travster One star, 50 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 749305  
Subject: Re: Portfolio of Index funds Date: 12/15/2000 5:45 PM
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I wholeheartedly agree with Bernstein's approach and really liked his book. Even if you don't agree with the approach, his book is worth reading.

I thought some folks might be interested in my own asset allocation. This is not perfect for me, some of it is influenced by my limited 401K choices, which is about 30% of my net worth. I am a 35 y.o. engineer:

EQUITIES:

15 Total US Stock Market (about 85% of this is SP 500)
5 Small Cap fund
12.5 Large Cap Foreign Index
12.5 Emerging Market Index
5 Vanguard Energy
3 Vanguard Precious Metals
2 Vanguard REIT Index
20 Company Stock (tech, risky)
10 Berkshire Hathaway (large cap value proxy)

BONDS:

10 Vanguard Bond Index
5 Vanguard CA Intermediate Muni


Avg. annual investment expenses are about 0.20%.

I self insure my car, so it makes sense for me to keep some cash parked in a MUNI fund that I can write a check on anytime. I also keep a separate cash contingency fund.

I would love to have 0% in the company stock, and sold a lot this last year, but the tax burden requires not selling it all at once.

I have favored foreign index funds more than US index funds partly because 30% of my portfolio is American big cap stocks, apart from the index funds.

I had about zero percent bonds before I really absorbed a lot of Bernstein's ideas. Owning some bonds has let me be more agressive with the rest of my portfolio.

Travster

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