I have invested in and relied on Vanguard Personal Advisor (PAS) for many years. I have been persuaded by Vanguards own forecasts (which have showed greatly increased anticipated returns for international) to invest at least half my assets in International stocks and bonds . This had been possible with Vanguard PAS until the recent transition. This allows only 40% maximum to be invested in International stocks and 30% in International Bonds.
Having been losing by my allocation for many years as US stocks beat International I would have liked to stay in the same asset allocation with half in international funds anticipating a turning of the tide. The new PAS does not permit this.
My Vanguard advisor suggests taking some money out from Vanguards management to manage it myself. However to do this and still maintain the minimum allocation to US funds that Vanguards PAS requires would mean that I would be managing more than half the money myself and monitoring (and therefore managing) both the portion Vanguard was 'managing' and my own.
I have no desire to manage the money but would like to maintain half my funds in international. I would be grateful for any suggestions as to how to do this. I am retired with $400k and a 60/40 stock/bond split and 3/4 funds in Roth IRA and almost everything in Vanguard ETF's.
Having been losing by my allocation for many years as US stocks beat International I would have liked to stay in the same asset allocation with half in international funds anticipating a turning of the tide. The new PAS does not permit this.
My Vanguard advisor suggests taking some money out from Vanguards management to manage it myself. However to do this and still maintain the minimum allocation to US funds that Vanguards PAS requires would mean that I would be managing more than half the money myself and monitoring (and therefore managing) both the portion Vanguard was 'managing' and my own.
I have no desire to manage the money but would like to maintain half my funds in international. I would be grateful for any suggestions as to how to do this. I am retired with $400k and a 60/40 stock/bond split and 3/4 funds in Roth IRA and almost everything in Vanguard ETF's.
Statistics: Posted by NickCoulson — Fri May 24, 2024 3:54 pm — Replies 0 — Views 87