Personal Investments • 53 year old physician - Asset Allocation, 401k, Cash-on-hand, and private equity investments

I prefer keeping stuff simple.

I’d want two years of expenses in cash like investments. Sell this rather than panicking and selling equities in a downturn. Equities in VOO or VTI. You should be able to find equivalents. And TIPS for bonds with maturities greater than a year held to maturity.

Lots of threads here to read on why folks have shifted to individual TIPS for longer duration bonds, rather than nominals. Lots of threads on cash like investments now such as T Bills and MMFs. Lots of threads on individual bonds versus funds. Check them out and make your own choice.

So you end up with a combination of: equities/TIPS/cash like. This is where I have landed.

I can’t see a compelling reason to quickly pay off your cheap mortgage.

Investing in international is a personal choice. Alternatives are also a personal choice. You’ll find the later discussed in blog postings at the White Coat Investor.

Statistics: Posted by rockstar — Wed May 22, 2024 10:56 pm — Replies 22 — Views 3568

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