12-01-2018, 04:00 AM
Look up the David Swensen porfolio.
Start with 25% invested over the next 4 years.
I'm not crazy about Emerging Markets so maybe switch it with your favorite sector etf (Energy, Financials, Technology).
It's simple but works.
Don't need to over think it.
Asset Class Allocation Percentage
Domestic Equity 30% (ITOT)
International Equity 15% (IEFA)
Emerging Markets 10% (Change for something else you like) - Since I like Fintech, I went IPAY
TIPS 15% (TIP)
U.S. Treasuries 15% (Lots to choose from - usually intermediate gov)
REITs 15% (IYR)
Ps. You asked what I would do. This is my answer because this is what I did when I inherited $50k. Reinvest the dividends if you want. I collect mine and buy more for a re-balance. I never sell.
Start with 25% invested over the next 4 years.
I'm not crazy about Emerging Markets so maybe switch it with your favorite sector etf (Energy, Financials, Technology).
It's simple but works.
Don't need to over think it.
Asset Class Allocation Percentage
Domestic Equity 30% (ITOT)
International Equity 15% (IEFA)
Emerging Markets 10% (Change for something else you like) - Since I like Fintech, I went IPAY
TIPS 15% (TIP)
U.S. Treasuries 15% (Lots to choose from - usually intermediate gov)
REITs 15% (IYR)
Ps. You asked what I would do. This is my answer because this is what I did when I inherited $50k. Reinvest the dividends if you want. I collect mine and buy more for a re-balance. I never sell.