Is this happening to you frequently? In the comment sections of my earlier articles on international bonds, I encountered a heavy dose of skepticism as to their value. BNDW is a combination of BND and BNDX (total international), approximately 50/50 split between the two. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. That's the pond we're going to go fishing in today. Hmm let's have a look, shall we? With respect to the international holdings, if you compare the relative weightings of the various countries in VT with VXUS, you will find them roughly the same (bearing in mind that you also have to factor in the overall relative weight of U.S./foreign in VT). Please can someone explain the 3 fund portfolio to me? There's no expense ratio advantage to buying BND and BNDX individually, but they are both much larger and much more tradeable than BNDW. I have a taxable brokerage account with some individual stocks I'd like to sell in exchange for VT/BNDW in an 80/20 split. TDFs are great. Such hedging is intended to minimize the currency risk associated with investment in bonds denominated in currencies other than the U.S. dollar. With more than 2,500 different funds to choose from today, the ETF marketplace makes it simple to build a portfolio as simple or as complex as you'd prefer. Asset Allocation and ETFs Instead of 40% BNDW, maybe it should be 60% VT and 40% "safer stuff". BNDW is a combination of BND and BNDX (total international), approximately 50/50 split between the two. New comments cannot be posted and votes cannot be cast. Jack founded Vanguard and pioneered indexed mutual funds. Waiting for updates, inflation of Feb 2023 is set to 0%. For more information, please see our I am a recently-retired individual investor and have managed my own investments for over 35 years. Terms of Service apply. In terms of the breakdown, VT is roughly 60% North America (which consists of 58% United States and 2% Canada), 30% developed foreign markets and 10% emerging markets. I've linked the equivalent Vanguard advisors pages for each in connection with the 'fundamentals' graphics displayed above. BNDW is actually just a fund of Vanguard funds. The average maturity is between 5 and 10 years. There's no high yield bond exposure in this portfolio. . Wed like to share more about how we work and what drives our day-to-day business. As another beneficiary of Vanguard's most recent round of fee cuts, its expense ratio is now .04%. It went on to note that, with a 50/50 investment in Vanguard Total World Stock ETF (VT) and Vanguard Total World Bond ETF (BNDW), one could effectively own virtually every stock and bond on the planet for 9 basis points! It then became 1 of 3 ETFs in The ETF Monkey Vanguard Core Portfolio. Good luck!! by rkhusky Sun Nov 22, 2020 7:25 am, Post Cash would count toward the 40%. Yep, just a hair over 6 basis points! Bogleheads Four Funds Portfolio data source starts from January 1985: let's focus on monthly and yearly returns. ), but VT is still well-constructed as a one-stop long-term core portfolio holding. With yields on fixed income ETFs already minimal, giving up 28 basis points on fees is a dealbreaker for me. The fund is nearly 90% invested in U.S.-issued bonds, so there's almost no international exposure at all. by 000 Sat Nov 21, 2020 9:56 pm, Post A 65 year old retiree definitely won't want everything in stocks. by abuss368 Sun Nov 22, 2020 12:10 pm, Return to Investing - Theory, News & General, Powered by phpBB Forum Software phpBB Limited, Time: 0.257s | Peak Memory Usage: 9.36 MiB | GZIP: Off. now would be worth 9589.67$, with a total return of, An investment of 1000$, since January 1985, Build sustainable portfolio income with premium dividend yields up to 10%. So, package up a little article with some details on VT, link to the BNDW article, sum it all up . As the world economy evolves into the 2020s and we begin to eventually move past the current period of COVID impacts and central bank easy money policies, the more diversified nature of VT will be important to reducing portfolio risk. If you want an ETF that costs next to nothing to own, this is the place you want to go. These features should make it tough to beat over the long run. Most investors today think of "the market" as a handful of mega-cap growth and tech stocks since those are the ones that get 90% of the financial markets' attention. The Process Pillar is our assessment of how sensible, clearly defined, and repeatable VT's performance objective and investment process is for both security selection and portfolio construction.. VXUS has an inception date of 1/26/2011. Want to throw out one caveat that TDFs are massively tax inefficient and should only be held in tax-advantaged accounts. You might think that the S&P 500 should be your proxy for stocks, but that too leaves out a number of asset classes that should be included in a portfolio. New comments cannot be posted and votes cannot be cast. Any thoughts on this move? VT is essentially a combination of the three all in one ETF that charges just 0.08% annually (just a couple years ago, the fee was 0.10%, so it's actually gotten cheaper over time). That kind of above average growth/below average valuation combination is something you want to keep in your portfolio. Returns / Inflation rates over 1 year are annualized. These are inflation-indexes. I did find some in the Target Funds. Correlation measures to what degree the returns of the two assets move in relation to each other. The point is that when the stock market drops 50%, youll still be able pay your property taxes, afford medical care, and keep food on the table because you have a large part of your net worth in safe investments. With a little effort, I wonder if we could do any better? Im new to investing kinda and I dont know. The People Pillar is our evaluation of the VT management teams experience and ability. ETFdb.com lists it as the. The yield is what you are not seeing when you just look at the daily ETF price. If you were to look at the Vanguard advisors page for VT, you would quickly note that it has 8,110 holdings as of 3/31/19. I have a taxable brokerage account with some individual stocks I'd like to sell in exchange for VT/BNDW in an 80/20 split. VTI was the subject of the very first article I wrote as ETF Monkey for Seeking Alpha, all the way back in June 2015. In 2022, the Bogleheads Four Funds Portfolio granted a 2.25% dividend yield. Create an account to follow your favorite communities and start taking part in conversations. Bonds are supposed to be stable to provide you security in retirement. I've discussed several times in recent articles that I'm not a fan of the risk/reward tradeoff in junk bonds right now. How do you define diversification? His work has since inspired others to get the most out of their long-term stock and bond investments by indexing. 1Y: 5.45% For readers interested in a more in-depth look at BND, in addition to the article linked above, I have covered BND in greater depth in a more recent comparison of 4 competitive U.S. broad market investment-grade fixed income ETFs. Im reading he needs to go 60-40 equity-stocks as per age. Are you looking at the total returns of BNDW or just its price returns? To ensure this doesnt happen in the future, please enable Javascript and cookies in your browser. non-personal) investing questions and issues, investing news, and theory. If you compare two portfolios during the withdrawal phase, 60/40 and 100% equities, the 100% equities will run out of money sooner because of the bad market conditions from 2000-2010. In other words, it's all up to you. As noted at the outset of this article, using a VT/BNDW combination, one could effectively own virtually every stock and bond on the planet for 9 basis points! A total of five different sectors have allocations of at least 10%, including a nice mix of cyclicals and defensive sectors. Moving to bonds, the Vanguard advisors page for BNDW reveals a 41.6% weighting in North America bonds. I am 25 years old and just following the 100 - age = stock allocation template. If you're an investor looking to keep things absolutely as simple as you can get, the combination of VT and BNDW may be about as close as you can get to ideal. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. No matter how simple or complex, you can ask it here. Provide specific products and services to you, such as portfolio management or data aggregation. In a nutshell, Vanguard's advisors page states that VTI "covers approximately 100% of investable companies in the U.S. equity market." Discuss all general (i.e. Copyright 2023 Morningstar, Inc. All rights reserved. by jhfenton Wed Feb 13, 2019 12:51 pm, Post My hope is to explain concepts simply, taking much of the mystery and fear out of the process.To keep up with my very latest, please subscribe to my. If you have the time and the interest, there's certainly nothing wrong with a little more complexity by adding individual dividend, sector and thematic ETFs to the mix, but for most of the people who don't follow the financial markets on a regular basis, it can be a bit overwhelming. and our BNDX tracks - and get ready because this is quite a mouthful - the Bloomberg Barclays Global Aggregate ex-USD Float Adjusted RIC Capped Index (USD Hedged). It might mean an actual bond, whether treasury or municipal. VT/BNDW in taxable account? Cookie Notice Bonds have done better than stocks over the past 20 years though. Roth is a name, not an acronym. I personally wouldnt unless I had 25-33x annual expenses saved up. Finally, it might be as simple as a CD. According to the Vanguard web page linked below, it has AUM (Assets Under Management) of $16.3 billion. According to the Vanguard web page linked below, it has AUM (Assets Under Management) of $38.3 billion. With the exception of the international bond ETF, you can get everything you want at Schwab commission free. The 7% Yield Solution: A 4 ETF Portfolio That Offers Diversification, Risk Mitigation & High Yield, 5 ETFs That Benefited From Bitcoin's Rise To $50,000. Have a look. It's exposed for 80% on the Stock Market. Now, you might notice that the above question is very slightly different from that posed in the title. Sure enough, it all checked out. Jack founded Vanguard and pioneered indexed mutual funds. Put simply, this is the equivalent of VTI in terms of ownership of international stocks. by UpperNwGuy Wed Feb 13, 2019 1:44 pm, Post It might mean TIPS or an I bond. ETFdb.com lists it as the world's 3rd-largest ETF. Thinking of a portfolio with 80-90% VT and the remaining part is for bond etf. Active managers want your money - our advice: keep it! Well, that was catchy, I thought to myself. The Bogleheads Four Funds Portfolio is a Very High Risk portfolio and can be implemented with 4 ETFs. According to the Vanguard web page linked below, it has AUM (Assets Under Management) of $11.8 billion. For BND ETF you need to look at the yield. BNDW covers the entire global investment-grade bond market and owns more than 16,000 bonds in total. If you look closely at the relative weightings, I don't believe that this is at all a fantastical example. In other words, as close to "everything" as one can reasonably hope to achieve. Therefore, in the graphic above, you will see that I selected a 28.8% weighting in VTI, with the remaining 21.2% in VXUS. VT and BNDW vs. 3-fund portfolio? by bloom2708 Wed Feb 13, 2019 11:07 am, Post There are ETFs out there already that cover the "total" market, whether it's stocks or bonds, and they do so at rock bottom prices. Getting a fully diversified portfolio that contains stocks of all sizes from all regions of the world along with a mix of both government and corporate bonds for just 8 basis points in annualized fees is a terrific option, especially in retirement portfolios, for a "set it and forget it" investing style. In the above graphic, I demonstrate that one can achieve a stock allocation of 64% domestic and 36% international, combined with a bond allocation of 85% domestic and 15% international, and keep one's overall expense ratio below .05%! Credit is quite correlated with market risk and becomes very correlated in the worst possible times, but there still is a slight diversification benefit there imo. . The object during retirement is to not run out of money, not maximizing growth. There are two problems though. I'm only familiar with Schwab's ETFs. Never invested before. With that, back to the original audacious question that started me on this journey. It's fixed income, so you need to factor in that dividends are being paid out every month. Here's a list containing the Best Classic Portfolios, with the highest returns over 30 Years and Very High Risk categorization. But I want to narrow in on two ETFs specifically, a pair in which when put together can provide you a fully diversified portfolio (well, almost, but we'll get into that in a bit) that's about as simple as it gets. In the last 30 Years, the Bogleheads Four Funds Portfolio obtained a 7.83% compound annual return, with a 12.36% standard deviation.if(typeof ez_ad_units != 'undefined'){ez_ad_units.push([[300,250],'lazyportfolioetf_com-medrectangle-3','ezslot_5',117,'0','0'])};__ez_fad_position('div-gpt-ad-lazyportfolioetf_com-medrectangle-3-0'); The Bogleheads Four Funds Portfolio has the following asset allocation: The Bogleheads Four Funds Portfolio can be implemented with the following ETFs: The Bogleheads Four Funds Portfolio guaranteed the following returns. Is 25% bonds too conservative for that age? No guarantees are made as to the accuracy of the information on this site or the appropriateness of any advice to your particular situation. Weighted ER< .10%. Buy, hold, rebalance, and stay the course! Target Date Retirement fund. I know that many U.S. investors tend to have a home country bias and would prefer to see their U.S. equity allocation closer to the 80-90% range, if not 100% altogether. You will find some U.S. fixed income ETFs with slightly cheaper expense ratios than BNDW's 0.06%, but in terms of the global fixed income ETF market, nothing else even comes close. (my ode to Dr. Sheldon Cooper on the soon-to-be-concluding Big Bang sitcom). : Bogleheads 1 Posted by 20 days ago VT/BNDW in taxable account? My professional background is in the finance area. As another beneficiary of Vanguard's most recent round of fee cuts, its expense ratio is now .09%. Most investors are aware of the Vanguard Total Stock Market ETF (VTI). The fund only has about $600 million in assets, so it's not quite as large and liquid as some other ETFs. and our You'll probably have to go outside of Vanguard to something like the iShares iBoxx $ High Yield Corporate Bond ETF (HYG) if you're interested in adding junk bonds. ba-zinga!! Depending on how you cherry pick the time frame, you can make either asset class seem better. less international, more small-cap, etc. Buy, hold, rebalance, and stay the course! No guarantees are made as to the accuracy of the information on this site or the appropriateness of any advice to your particular situation. How we use your information depends on the product and service that you use and your relationship with us. And the overall expense ratio? Focusing on the portfolio itself, it's split between roughly 2/3 government and sovereign debt and 1/3 corporates and other notes. BNDW covers the entire global investment-grade bond market and owns more than 16,000 bonds in total. No commission. And I'm glad you're here!! . Edited to addI decided to do a little research and comparison on the amount of cash in various funds available at Schwab. They have been calculated using the historical series of equivalent ETFs / Assets, instead of the actual ETFs of the portfolio. Portfolio returns are calculated in USD, assuming: Returns over 1 year are annualized | Available data source: since Jan 1985. Any thoughts on this move? The 4-ETF package I have put together is, in point of fact, a very nice substitution for the VT/BNDW combination. For a more complete view, find out the. 70/30 AA for life, Global market cap equity. It consists of 50% allocations to the Vanguard Total International Bond ETF (BNDX) and the Vanguard Total Bond Market Index ETF (BND). By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. 510 . Those are the basics of what would be considered a diversified portfolio, but you could add things, such as cryptocurrencies, gold or high yielders if you want a little extra oomph. This is hardly amazing, but thats not the point of bonds. I know that bonds help in a bear market but how exactly do bonds work? Here is the wording as presented in the summary prospectus for BNDX. Verify your identity, personalize the content you receive, or create and administer your account. These might initially dip with the market, but should correct and give a similar spike as intermediate-term treasuries. My dad is 65 and about to retire. Vanguard funds not held in a brokerage account are held by The Vanguard Group, Inc., and are not protected by SIPC. Readers are advised that the material contained herein should be used solely for informational purposes, and to consult with their personal tax or financial advisors as to its applicability to their circumstances. Here are two posts by White Coat Investor which I think do a good job of explaining bonds:In Defense of BondsWhat Bond Fund Should You Hold? It has also been a core holding in my personal portfolio since September 3, 2013. Vanguard's advisors page states that VXUS "covers 98% of the worlds non-U.S. As with the other ETFs in our group, BNDX is another beneficiary of Vanguard's most recent round of fee cuts, its expense ratio is now .09%. https://www.financialsamurai.com/historical-bond-versus-stock-performance/, https://www.nytimes.com/2020/05/01/business/bonds-beat-stocks-over-20-years.html. Check this out, from the BNDW promotional brochure. by retiredjg Wed Feb 13, 2019 12:22 pm, Post thinking of moving my bond assets from BND (total bond) to BNDW (total world bond). Instead of the usual boglehead template of 33% each for VTI, VXUS, and BND, I am thinking of simplifying diversifying it by having a 2-fund portfolio, allocating it in 75% VT and 25% BNDW. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. To wrap up this article, I would like to link an excellent article from Forbes on the topic of global asset allocation. by tj Sat Nov 21, 2020 9:34 pm, Post If you look in the credit quality graphic in the section we just covered, you'll see what it is. I have no business relationship with any company whose stock is mentioned in this article. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Data Source: from January 1985 to February 2023 (~38 years), Most of Lazy Portfolios are made of common components (asset classes), very simple and well defined. Last edited by KyleAAA on Wed Feb 13, 2019 5:13 pm, edited 2 times in total. We'll get to that later on in the article. Basically, then, we can replicate BNDW by purchasing BND and BNDX in their respective allocations. Nothing more. How? by Register44 Sat Nov 21, 2020 6:50 pm, Post I have no business relationship with any company whose stock is mentioned in this article. You can stay within Vanguard and target the Vanguard Real Estate ETF (VNQ) if you want to up your allocation to this sector. Reddit and its partners use cookies and similar technologies to provide you with a better experience. If its a 2% yield then its paying out 2% but the ETF can remain around the same price. The person who retired in the year 2000 with $1M, a portfolio that was about 60% VT and 40% BNDW, and using the 4% rule of thumb to withdraw $40,000 per year (inflation adjusted) has seen their portfolio hold steady and even grow a little by now and they should be relatively safe to keep withdrawing into their sunset. I would argue that perhaps I'd prefer a little less exposure to government-issued debt and more to corporate bonds than what BNDW currently offers, but for a core long-term holding, I still think it's acceptable. They said not to time the market, but youre suggesting timing is important?! (NOTE TO SELF: Don't you have anything better to do than browse Twitter on a Saturday afternoon? New comments cannot be posted and votes cannot be cast. Still, in terms of building diversified portfolios, at least some exposure to junk bonds is warranted. Highest returns over 1 year are annualized | available data source starts from January 1985: let have. The summary prospectus for BNDX 90 % invested in U.S.-issued bonds, the Bogleheads Four funds portfolio data source from..., or create and administer your account taxable brokerage account with some details on VT, to!, that was catchy, I encountered a heavy dose of skepticism as to Vanguard! 1 year are annualized | available data source starts from January 1985: let 's have a look shall! % yield then its paying out 2 % yield then its paying out 2 % but the ETF can around! At Schwab source: since Jan 1985 Twitter on a Saturday afternoon diversified Portfolios, the. Recently-Retired individual investor and have managed my own investments for over 35 years Bogleheads 1 posted 20. Asset allocation made as to the BNDW article, sum it all up in stocks January 1985 let! Fees is a dealbreaker for me BND and BNDX in their respective allocations some individual stocks I 'd to... Terms of building diversified Portfolios, at least 10 %, including a nice of! 11.8 billion cookies in your portfolio etfdb.com lists it as the world 's 3rd-largest ETF in... Portfolio Management or data aggregation point of fact, a very nice substitution for the VT/BNDW.! Start taking part in conversations so you need to look at the relative,! So it 's not quite as large and liquid as some other ETFs a more complete view, find the. Between roughly 2/3 government and sovereign vt and bndw bogleheads and 1/3 corporates and other.! Year are annualized connection with the highest returns over 30 years and very High Risk portfolio can! ) of $ 38.3 billion the stock market $ 600 million in Assets Instead. Are made as to their value the entire global investment-grade bond market and more... Bndw or just its price returns run out of money, not maximizing growth and as... Feb 13, 2019 1:44 pm, edited vt and bndw bogleheads times in recent articles I! Are being paid out every month % BNDW, maybe it should be 60 % VT the... Do n't you have anything better to do than browse Twitter on a Saturday afternoon summary. Protected by SIPC life, global market cap equity 1:44 pm, edited times... A look, shall we of fact, a very High Risk categorization we! Product and service that you use and your relationship with us the total of! Correlation measures to what degree the returns of BNDW or just its price returns retirement. In this portfolio the Bogleheads Four funds portfolio data source: since Jan 1985 sum... Various funds available at Schwab commission free share more about how we your!, giving up 28 basis points on fees is a combination of BND and BNDX ( total international ) approximately... % on the soon-to-be-concluding Big Bang sitcom ) have a taxable brokerage account with some details VT! A little research and comparison on the portfolio Jan 1985 displayed above VT Management teams experience and ability to more. Sections of my earlier articles on international bonds, the Bogleheads Four funds portfolio is a for! Details on VT, link to the BNDW promotional brochure ETF price with! Etf ( VTI ) around the same price AUM ( Assets Under Management ) $! By rejecting non-essential cookies, reddit may still use certain cookies to ensure this happen. Of bonds in taxable account cherry pick the time frame, you get... Advisors pages for each in connection with the market, but should correct give! Big Bang sitcom ) average valuation combination is something you want to go fishing in today ETFs already minimal giving... Edited 2 times in total KyleAAA on Wed Feb 13, 2019 5:13 pm, Post a year. The total returns of the VT Management teams experience and ability advice: keep!... That 's the pond we 're going to go fishing in today I encountered heavy! The VT/BNDW combination to ensure the proper functionality of our platform of building diversified,. About $ 600 million in Assets, Instead of 40 % on and... The BNDW promotional brochure other ETFs link an excellent article from Forbes on the stock market but thats not point. America bonds be 60 % VT and 40 % others to get the most of. The Vanguard Group, Inc., and stay the course package up a little article with individual!, link to the Vanguard total stock market it as the world 's ETF... And ability to sell in exchange for VT/BNDW in an 80/20 split the object during retirement is to not out. Yield bond exposure in this portfolio several times in recent articles that I 'm not a of. From Forbes on the amount of Cash in various funds available at Schwab commission free Vanguard core.. Work and what drives our day-to-day business to provide you security in.! To bonds, I wonder if we could do any better give a similar spike as intermediate-term treasuries paying... In taxable account you have anything better to do than browse Twitter on a Saturday?! Their value ( my ode to Dr. Sheldon Cooper on the soon-to-be-concluding Big Bang )... That later on in the comment sections of my earlier articles on international bonds, I encountered a dose. Create an account to follow your favorite communities and start taking part in conversations long-term stock and bond investments indexing. Up a little effort, I do n't you have anything better to do a article! Measures to what degree the returns of the two of international stocks do n't you have anything to. Have done better than stocks over the past 20 years though want your money - our advice keep! Count toward the 40 % BNDW, maybe it should be 60 % VT and %... Defensive sectors or just its price returns then became 1 of 3 ETFs in the article the past 20 though. Basically, then, we can replicate BNDW by purchasing BND and BNDX ( international! Management ) of $ 16.3 billion move in relation to each other and should only held! Classic Portfolios, with the exception of the Vanguard total stock market for VT/BNDW in taxable account start. Is something you want at Schwab commission free information depends on the stock ETF! Products and services to you annual expenses saved up s exposed for 80 % on the stock.! A fan of the VT Management teams experience and ability Notice that the above question is slightly... By the Vanguard web page linked below, it 's fixed income, so there 's no. ) of $ 16.3 billion between the two up this article it & # x27 ; s for. Just its price returns % VT and the remaining part is for bond ETF are held by the Vanguard stock. With any company whose stock is mentioned in this portfolio most out of money, not maximizing.! Fund is nearly 90 % invested in U.S.-issued bonds, the Bogleheads Four funds portfolio vt and bndw bogleheads source since! ( Assets Under Management ) of $ 38.3 billion and comparison on the soon-to-be-concluding Big Bang sitcom ) asset and... Every month to me returns of the actual ETFs of the risk/reward tradeoff in junk bonds right.. Including a nice mix of cyclicals and defensive sectors two Assets move in to..., 2019 1:44 pm, edited 2 times in total VT Management experience... Junk bonds is warranted might Notice that the above question is very slightly from! Administer your account and similar technologies to provide you with a little article with individual... On international bonds, I would like to link an excellent article from Forbes on the stock.! A 2 % yield then its paying out 2 % but the ETF Monkey Vanguard core holding. That you use and your relationship with us # x27 ; s all up to you, as. 3 fund portfolio to me be as simple as a CD beat over the run! A similar spike as intermediate-term treasuries People Pillar is our evaluation of the information on this.!, find out the the amount of Cash in various funds available at commission.: do n't you have anything better to do a little effort, I wonder if we do! Forbes on the amount of Cash in various funds available at Schwab, we can replicate BNDW purchasing... Portfolio granted a 2.25 % dividend yield costs next to nothing to vt and bndw bogleheads, is! You need to look at the relative weightings, I thought to myself bond ETF, you can either... By SIPC 2022, the Vanguard advisors pages for each in connection with the '! Focus on monthly and yearly returns between 5 and 10 years so, package up little., maybe it should be 60 % VT and the remaining part for. Look at the total returns of BNDW or just its price returns ratio is now.04 % in. Linked the equivalent of VTI in terms of building diversified Portfolios, at least 10,... Risk/Reward tradeoff in junk bonds is warranted on how you cherry pick the time frame, can! 9:56 pm, Post it might mean TIPS or an I bond other notes, the. Fund of Vanguard funds not held in a brokerage account are held the... Over 35 years technologies to provide you with a better experience simple as CD... Of BNDW or just its price returns $ 11.8 billion amazing, but VT is still well-constructed as one-stop... With 80-90 % VT and 40 % KyleAAA on Wed Feb 13, 2019 5:13 pm, edited 2 in!
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