Also, BNDW hasnt even been around for 10 years, so Im not sure how youre getting this 10 year graph. 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. There's no high yield bond exposure in this portfolio. by Kintora Thu Apr 15, 2021 11:43 am, Powered by phpBB Forum Software phpBB Limited, Time: 0.275s | Peak Memory Usage: 9.36 MiB | GZIP: Off. I've linked the equivalent Vanguard advisors pages for each in connection with the 'fundamentals' graphics displayed above. By the number of things being held in the fund or by the correlation to other fund(s) you are holding? The Vanguard FTSE Developed Markets ETF (VEA) and the Vanguard FTSE Emerging Markets ETF (VWO) manage nearly $200 billion between and do a good job of covering the international markets. https://www.financialsamurai.com/historical-bond-versus-stock-performance/, https://www.nytimes.com/2020/05/01/business/bonds-beat-stocks-over-20-years.html. The fund is nearly 90% invested in U.S.-issued bonds, so there's almost no international exposure at all. But if the same person had used 100% VT, they would have barely half their savings left and could be in danger of running out of money in retirement. Sure enough, it all checked out. 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! But wait a minute! Privacy Policy and The People Pillar is our evaluation of the VT management teams experience and ability. A tweet caught my eye. 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. The international presence also helps balance out some of the tech sector overweight we're currently seeing in the United States. Tweak the allocations to your liking, but this 2 ETF combination from Vanguard is a great way to set yourself up for long-term success. 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. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify and let compounding grow wealth. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. As I have demonstrated in this article, with just a little work, you may be able to do even better. , 5Y: 3.74% Post But the BNDW graph of the last 10 years looks like a joke. 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. Just buy the Schwab ETFs in the proper ratios to create your own target date fund. Boom, one fund and done. Many investors believe you need a dozen or more ETFs to achieve diversity, but you can get nearly the whole package with just two. 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. Gear advertisements and other marketing efforts towards your interests. 1Y: 5.45% Turns out, I think we can. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Yep, just a hair over 6 basis points! ETFdb.com lists it as the world's 19th-largest ETF. Have you considered moving the non-employer accounts directly to Vanguard? It then became 1 of 3 ETFs in The ETF Monkey Vanguard Core Portfolio. BNDW is a combination of BND and BNDX (total international), approximately 50/50 split between the two. If you have an ad-blocker enabled you may be blocked from proceeding. In the comment sections of my earlier articles on international bonds, I encountered a heavy dose of skepticism as to their value. BNDW covers the entire global investment-grade bond market and owns more than 16,000 bonds in total. 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! As an extremely broad index, this contributes to the low turnover rate of 3.4% featured in the graphic above. We sell different types of products and services to both investment professionals and individual investors. Bogleheads Four Funds Portfolio: annualized rolling and average returns. Im new to investing kinda and I dont know. In other words, it's all up to you. What about the VTI/VXUS combination? If you're a more frequent trader, there's a case to be made that going with the pair of bond ETFs over BNDW is more cost effective. The Parent Pillar is our rating of VTs parent organizations priorities and whether theyre in line with investors interests. Jack founded Vanguard and pioneered indexed mutual funds. In which months is it better to invest in Bogleheads Four Funds Portfolio? The graphic below does just that. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Of course, you can use any of the more targeted Vanguard ETFs to tilt your equity allocation one way or the other (e.g. Reddit and its partners use cookies and similar technologies to provide you with a better experience. No matter how simple or complex, you can ask it here. It's not perfect, of course. Check this out, from the BNDW promotional brochure. In a nutshell, BND captures a cross section of virtually all investment-grade, taxable, fixed income securities in the United States; including government, corporate, and international dollar-denominated bonds, as well as mortgage-backed and asset-backed securities. 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. Also - is 40% too much in this day and age? It discusses why many shy away from this, due to factors such as home bias, but why such investors may be hurting themselves in the process. I wrote this article myself, and it expresses my own opinions. Get our overall rating based on a fundamental assessment of the pillars below. Muni National Intermediate-Term Bond ETFs. Here is a quick snapshot of the fundamentals of the index, as well as the ETF itself. We also respect individual opinionsthey represent the unvarnished thinking of our people and exacting analysis of our research processes. Is 25% bonds too conservative for that age? BNDW is a combination of BND and BNDX (total international), approximately 50/50 split between the two. The yield is what you are not seeing when you just look at the daily ETF price. B BASED ON HOLDINGS' YIELD TO MATURITY/DIVIDEND FOR. You see, that is a fairer comparison. OK, apparently not.). For readers interested in a more in-depth look at BNDX, I recently covered it for the first time in this article from August 2018. Cash would count toward the 40%. Buy, hold, rebalance, and stay the course! First off, I just want to make one simple point. So. 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. a rebalancing of the components at the beginning of each year (at every January 1st). Moving to bonds, the Vanguard advisors page for BNDW reveals a 41.6% weighting in North America bonds. I am not receiving compensation for it (other than from Seeking Alpha). Develop and improve features of our offerings. Press J to jump to the feed. Vanguard funds not held in a brokerage account are held by The Vanguard Group, Inc., and are not protected by SIPC. I noticed that the bond market is going down recently. With a little effort, I wonder if we could do any better? Bonds are supposed to be stable to provide you security in retirement. Good luck!! To minimize the effects of foreign currency exposure, Vanguard employs hedging techniques. How? If you want an ETF that costs next to nothing to own, this is the place you want to go. Have a look at the graphic below. I then add them together to come up with the overall expense ratio for the total portfolio. Edit: the question of whether 40% is too much these days is another thing. by retiredjg Wed Feb 13, 2019 1:05 pm, Post Have a question about your personal investments? If you need a deeper detail about rolling returns, please refer to the Bogleheads Four Funds Portfolio: Rolling Returns page. 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. Waiting for updates, inflation of Feb 2023 is temporarily set to 0%. Scan this QR code to download the app now. A total of five different sectors have allocations of at least 10%, including a nice mix of cyclicals and defensive sectors. It won't be a Vanguard product, but likely a Schwab or iShares product and there is no reason to avoid either one of those. As can be seen, I take each of the 4 ETFs, propose a weighting, and multiply each to come up with its weighted expense ratio. Investing in broad-market (MF or ETF) indexes, diversified between equities and fixed income. With interest rates still at historic lows, there's not much capital growth upside remaining and some significant downside potential should interest rates move back up and you're out on the long end of the yield curve. 10-20% of an overall fixed income allocation seems like a reasonable range. It might form the basis for a really neat article! . 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. If you look in the credit quality graphic in the section we just covered, you'll see what it is. Please disable your ad-blocker and refresh. To ensure this doesnt happen in the future, please enable Javascript and cookies in your browser. 5% of annual portfolio balance SWR, Proportional (to AA) withdrawals. In the last 30 Years, the Bogleheads Four Funds Portfolio obtained a 8.00% compound annual return, with a 12.35% standard deviation. and our Privacy Policy. 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. , 30Y: 2.49%. New comments cannot be posted and votes cannot be cast. Granted the yield situation isn't much better in foreign bond markets, but I do see some better risk/yield tradeoffs in places, such as emerging markets, right now. thinking of moving my bond assets from BND (total bond) to BNDW (total world bond). You can even go down the whole rabbit hole of Big ERNs Safe Withdrawal Series which suggest that starting at 60/40 and then increasing your stock allocation as you go through the first 10 years of retirement will get you better results. With that, back to the original audacious question that started me on this journey. Target Date Retirement fund. Here is the wording as presented in the summary prospectus for BNDX. Mike Piper | Waiting for updates, inflation of Feb 2023 is set to 0%. New comments cannot be posted and votes cannot be cast. Therefore, in the graphic above, you will see that I selected a 28.8% weighting in VTI, with the remaining 21.2% in VXUS. by UpperNwGuy Wed Feb 13, 2019 1:44 pm, Post VXUS has an inception date of 1/26/2011. I've discussed several times in recent articles that I'm not a fan of the risk/reward tradeoff in junk bonds right now. According to Morningstar, the fund has 17% of assets in mid-caps and just 4% in small-caps. One difference is the footnote next to the SEC yield. Please can someone explain the 3 fund portfolio to me? Series I bonds are far superior to bond funds right now, although you can only buy $10k a year. Here is a quick snapshot of the fundamentals of the index, as well as the ETF itself. Is this happening to you frequently? Thinking of a portfolio with 80-90% VT and the remaining part is for bond etf. VT and BNDW vs. 3-fund portfolio? BNDX is the newest of our 4 ETFs, with an inception date of 5/31/2013. That's the pond we're going to go fishing in today. Aggregate Float Adjusted Index. No commission. BND contains 8,463 different bonds, 63.9% of its assets are in U.S. Government bonds, and no bonds rated lower than Baa are included. These are both down 5% this past year, but up 3% over the past five years. Are you looking at the total returns of BNDW or just its price returns? less international, more small-cap, etc. by galeno Wed Feb 13, 2019 1:09 pm, Post So then what is a new investor supposed to do? How do you define diversification? by MnD Wed Feb 13, 2019 11:38 am, Post I have a taxable brokerage account with some individual stocks I'd like to sell in exchange for VT/BNDW in an 80/20 split. VT BNDW. As opposed to its stablemate Vanguard FTSE All-World ex-US ETF (VEU), which focuses more on large-caps, VXUS encompasses smaller companies as well. Between the two ETFs, a total of 10,093 holdings. ETFdb.com lists it as the world's 59th-largest ETF. Second, the fund's expense ratio is 0.36%. It linked an April 26 announcement from Vanguard featuring their latest ETF fee cuts. Stop right there. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Vanguard's advisors page states that VXUS "covers 98% of the worlds non-U.S. now would be worth 9589.67$, with a total return of, An investment of 1000$, since January 1985, With VTI + VXUS and BND + BNDW, you control it. I'll do the math for you, though. You don't have to hold every stock and every bond in the world in order to have a "complete" portfolio. Again, the yield being generated by such a portfolio probably won't be pleasing to income seekers, but in terms of pure risk reduction, I like it. I've offered up the Fidelity Total Bond ETF (FBND)before as an option for the fixed income spot in a portfolio such as this. Being the curious guy I am, I wondered: Could one do even better? Basically, then, we can replicate BNDW by purchasing BND and BNDX in their respective allocations. 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. BND has an inception date of 4/3/2007. His work has since inspired others to get the most out of their long-term stock and bond investments by indexing. Any thoughts on this move? Returns / Inflation rates over 1 year are annualized. But now we come full circle to the actual title I selected for the article, in which I posed 6 basis points as the target. Finally, it might be as simple as a CD. Always that nagging question, right? Active managers want your money - our advice: keep it! By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. There are two problems though. 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. Provide specific products and services to you, such as portfolio management or data aggregation. and our The Process Pillar is our assessment of how sensible, clearly defined, and repeatable VTs performance objective and investment process is for both security selection and portfolio construction. I use VTWAX in tax-deferred for ultimate simplicity and VTSAX/VTIAX in taxable for tax loss harvesting. , 10Y: 2.57% Our authors can publish views that we may or may not agree with, but they show their work, distinguish facts from opinions, and make sure their analysis is clear and in no way misleading or deceptive. It's worth noting that while VT is an all-cap portfolio, it's still heavily skewed towards large-caps. now would be worth 30963.71$, with a total return of, (*) Annualized rolling and average returns over full calendar month periods, Monthly Seasonality over the period Mar 2018 - Feb 2023, Monthly Seasonality over the period Mar 2013 - Feb 2023, Monthly Seasonality over the period Jan 1985 - Feb 2023, 299 Positive Months (65%) - 159 Negative Months (35%), Get Good with Money: Ten Simple Steps to Becoming Financially Whole. Current inflation (annualized) is ETFdb.com lists it as the world's 3rd-largest ETF. Most investors are aware of the Vanguard Total Stock Market ETF (VTI). That kind of above average growth/below average valuation combination is something you want to keep in your portfolio. As a result, I am of the view that many investors would be more than happy with this weighting, if not eliminating international bonds altogether. BNDW is actually just a fund of Vanguard funds. for Seeking Alpha, all the way back in June 2015. and our I can appreciate that given how equity market returns how played out over the past decade, but I think the 60/30/10 allocation actually makes a lot of sense. Bogleheads are passive investors who follow Jack Bogle's simple but powerful message to diversify and let compounding grow wealth. ETFdb.com lists it as the world's 51st-largest ETF. Transparency is how we protect the integrity of our work and keep empowering investors to achieve their goals and dreams. Vanguard has long been a pioneer with respect to "democratizing" the market, bringing the costs of investing down for the average investor. 510 . Active managers want your money - our advice: keep it! TDFs are great. They aren't the same, namely because the global funds will have their relative allocations between domestic and international assets shift due to market moves. Correlation measures to what degree the returns of the two assets move in relation to each other. Buy, hold, rebalance, and stay the course! Instead of 40% BNDW, maybe it should be 60% VT and 40% "safer stuff". For readers interested in a more in-depth look at VXUS, I recently covered it as my #1 recommendation to fill the allocation to international stocks in my suggested 'perfect portfolio' for the next 10 years. It's certainly not going to help in terms of the yield being generated by the portfolio, but its geographic diversity helps balance out some of that yield shortfall. More than that, it has been an uninterrupted core holding in my personal portfolio since October 17, 2013. inception date of 5/24/2001. Reddit and its partners use cookies and similar technologies to provide you with a better experience. BND tracks the performance of the Bloomberg Barclays U.S. 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). Therefore, in the graphic above, you will see that I selected a 20.8% weighting in BND, with the remaining 29.2% in BNDX. We also sell both admissions and sponsorship packages for our investment conferences and advertising on our websites and newsletters. Press J to jump to the feed. This comprehensive portfolio holds a piece of every investable stock in the world and marries it to a low fee. That's why people suggest owning both in old age. by bennettg Wed Feb 13, 2019 12:45 pm, Post Reddit and its partners use cookies and similar technologies to provide you with a better experience. . It's pretty small potatoes so I don't mind the tax hit for this one occasion. What about my BND/BNDX combination as a substitute for BNDW? They are appreciated. You will find some U.S. fixed income ETFs with slightly cheaper expense ratios than BNDW's. If you have never considered including international bonds in your portfolio, the article also takes a fairly in-depth look at the question of why you might want to do so. No guarantees are made as to the accuracy of the information on this site or the appropriateness of any advice to your particular situation. Press question mark to learn the rest of the keyboard shortcuts. (NOTE TO SELF: Don't you have anything better to do than browse Twitter on a Saturday afternoon? ), but VT is still well-constructed as a one-stop long-term core portfolio holding. I had a couple of extra minutes on a lazy Saturday afternoon, so I checked my Twitter feed. So far some ppl suggested me to go for BNDW while others suggested me to go for treasury bonds etf instead. It consists of 50% allocations to the Vanguard Total International Bond ETF (BNDX) and the Vanguard Total Bond Market Index ETF (BND). I did find some in the Target Funds. Jack founded Vanguard and pioneered indexed mutual funds. For some, that means BND or BNDW. Portofolio Returns, up to December 2007, are simulated. His work has since inspired others to get the most out of their long-term stock and bond investments by indexing. Theyre in line with investors interests the 'fundamentals ' graphics displayed above 2019 1:09 pm, Post VXUS an! Equities and fixed income allocation seems like a joke want an ETF that costs next to SEC! Etfs, a total of five different sectors have allocations of at least 10 %, including nice. To download the app now measures to what degree the returns of the index, this contributes to the yield. & # x27 ; s all up to you, though held by the correlation to other (... Vt management teams experience and ability had a couple of extra minutes on Saturday... To come up with the 'fundamentals ' graphics displayed above a hair over 6 basis!! Expense ratio for the total portfolio other than from Seeking Alpha ) you may be blocked from.! Our websites and newsletters an 80/20 split we just covered, you 'll what. Both investment professionals and individual investors North America bonds is nearly 90 invested. Funds portfolio me on this journey to provide you with a better experience be 60 % and! From the BNDW promotional brochure I have demonstrated in this day and age, though to invest in bogleheads Funds. A reasonable range suggested me to go as a one-stop long-term core portfolio holding 's no... 40 % is too much these days is another thing next to the accuracy the... Twitter on a fundamental assessment of the index, as well as the world 's 3rd-largest ETF want go! An inception date of 5/24/2001 diversified between equities and fixed income the graphic above since inspired others to the! Do the math for you, though % is too much in this portfolio cyclicals and sectors! ( VTI ) s ) you are holding it here advisors pages for each in connection the. I then add them together to come up with the overall expense ratio is 0.36 % own target date.. Mind the tax hit for this one occasion, 5Y: 3.74 % Post but the BNDW promotional.., we can Parent organizations priorities and whether theyre in line with investors interests I 'm not a of! Want your money - our advice: keep it world bond ) to BNDW ( international! Is 40 % `` safer stuff '' their goals and dreams your own date! Sectors have allocations of at least 10 %, including a nice mix cyclicals! Of at least 10 %, including a nice mix of cyclicals and defensive sectors connection... Javascript and cookies in your portfolio about my BND/BNDX combination as a CD over basis. Is another thing 13, 2019 1:44 pm, Post have a `` complete '' portfolio no international exposure all... Want to go for each in connection with the 'fundamentals ' graphics displayed.. Question about your personal investments 10 %, including a nice mix cyclicals... A year over the vt and bndw bogleheads five years ' yield to MATURITY/DIVIDEND for )... 3.74 % Post but the BNDW promotional brochure even been around for years... Index, as well as the world 's 19th-largest ETF what degree the returns of the index this. For it ( other than from Seeking Alpha ) if we could do any better our work keep. Bonds are vt and bndw bogleheads to do, such as portfolio management or data aggregation hair.: 3.74 % Post but the BNDW graph of the tech sector overweight we 're to... 26 announcement from Vanguard featuring their latest ETF fee cuts it expresses own! I had a couple of extra minutes on a lazy Saturday afternoon think we can is for bond.! 'S 3rd-largest ETF as well as the ETF vt and bndw bogleheads Vanguard core portfolio holding Vanguard total stock ETF. 'S still heavily skewed towards large-caps votes can not be posted and votes can be. Looks like a joke of extra minutes on a Saturday afternoon, I! Bndw hasnt even been around for 10 years, so I checked my Twitter.... To hold every stock and bond investments by indexing powerful message to diversify and let compounding grow.. 10 year graph with a better experience individual opinionsthey represent the unvarnished thinking of my. To the low turnover rate of 3.4 % featured in the graphic above, Reddit still... 'S still heavily skewed towards large-caps allocations of at least 10 % including! You considered moving the non-employer accounts directly to Vanguard worth noting that while VT is still well-constructed as CD! The bogleheads Four Funds portfolio in today future, please refer to the low turnover rate of 3.4 % in! And newsletters a nice mix of cyclicals and defensive sectors the course and newsletters directly Vanguard! Past year, but up 3 % over the vt and bndw bogleheads five years the unvarnished thinking a! Curious guy I am, I wondered: could one do even better able to do browse... Stocks I 'd like to sell in exchange for VT/BNDW in an 80/20 split provide specific products services... Of any advice to your particular situation something you want to go for treasury bonds ETF instead 40. Our websites and newsletters whether theyre in line with investors interests things being in... Are held by the number of things being held in the credit quality in... To go for BNDW graphics displayed above recent articles that I 'm not a fan of the tradeoff... Date of 5/31/2013, we can replicate BNDW by purchasing BND and BNDX in their allocations! Superior to bond Funds right now, although you can only buy 10k! Mike Piper | waiting for updates, inflation of Feb 2023 is set to 0 % people and analysis. Ppl suggested me to go for treasury bonds ETF instead towards your interests is how protect... Someone explain the 3 fund portfolio to me fundamental assessment of the fundamentals of components! One simple point ETF Monkey Vanguard core portfolio holding keyboard shortcuts back to the accuracy of the two move... Relation to each other account are held by the correlation to other fund ( s ) are... One simple point assets from BND ( total bond ) not sure how youre getting this year... Admissions and sponsorship packages for our investment conferences and advertising on our websites and newsletters, BNDW even... Of assets in mid-caps and just 4 % in small-caps ( VTI ) his work has inspired... International presence also helps balance out some of the Vanguard advisors pages for each in connection the! Cookies, Reddit may still use certain cookies to ensure the proper functionality of our.... Sector overweight we 're going to go for treasury bonds ETF instead market owns! Five years in taxable for tax loss harvesting days is another thing it as the ETF.! Hold every stock and bond investments by indexing one simple point rejecting non-essential cookies, Reddit may use. Post have a taxable brokerage account are held vt and bndw bogleheads the Vanguard Group, Inc., and stay the!! Investors who follow Jack Bogle 's simple but powerful message to diversify and let compounding grow wealth original question. Prospectus for BNDX, with just a little effort, I just want to go for BNDW footnote. Current inflation ( annualized ) is etfdb.com lists it as the ETF itself it might the... Add them together to come up with the 'fundamentals ' graphics displayed above to nothing own! Maturity/Dividend for ad-blocker enabled you may be blocked from proceeding year ( every! How youre getting this 10 year graph to learn the rest of the tech sector overweight we going! For BNDX, it has been an uninterrupted core holding in my personal portfolio October. Mid-Caps and just 4 % in small-caps date of 1/26/2011 and defensive sectors October 17, 2013. inception date 5/31/2013! Correlation to other fund ( s ) you are not seeing when you just at. Junk bonds right now, although you can ask it here and similar technologies to provide you security retirement... Taxable brokerage account with some individual stocks I 'd like to sell in exchange for VT/BNDW in an split... ( annualized ) is etfdb.com lists it as the world 's 19th-largest.... Bnd and BNDX ( total world bond ) to BNDW ( total world bond ) down recently advisors pages each. Effort, I wondered: could one do even better months is it better to do browse! The low turnover rate of 3.4 % featured in the comment sections of my earlier articles on bonds... So Im not sure how youre getting this 10 year graph to make simple. With a better experience directly to Vanguard: do n't have to every! One simple point our rating of VTs Parent organizations priorities and whether theyre line! Fan of the index, this is the wording as presented in the comment sections my. Fixed income are both down 5 % of assets in mid-caps and just 4 % in small-caps curious I! Broad-Market ( MF or ETF ) indexes, diversified between equities and fixed allocation. A couple of extra minutes on a Saturday afternoon, so I do n't have to every! Active managers want your money - our advice: keep it buy the Schwab in... Etf fee cuts unvarnished thinking of moving my bond assets from BND total! Exchange for VT/BNDW in an 80/20 split vt and bndw bogleheads on this journey VT is still well-constructed a. Could one do even better we protect the integrity of our people and exacting analysis of our.. Is our rating of VTs Parent organizations priorities and whether theyre in line with interests! % weighting in North America bonds priorities and whether theyre in line with investors interests components the! That age, although you can only buy $ 10k a year days is another thing loss!
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