SP Reddit Mentions | ChartExchange

Investing Questions
* all of the options you are talking about FZROX/FZILX/FXAIX/VFIAX/VOO they are all decent ways to buy the whole (or a majority of the stock market) cheaply and move forward. so we are splitting hairs here a little bit on allocation that may not have a huge change in your returns.
* you may want to sit down and write up a IPS (Investment Policy Statement): [https://www.bogleheads.org/wiki/Investment\_policy\_statement](https://www.bogleheads.org/wiki/Investment_policy_statement)
* SP 500/FXAIX/VFIAX vs FZROX : SP500 is a large part of FZROX. SP500 was the OG index for bogelheads and many who have been doing this method for decades still hold it. SP500 misses out on midsized and small sized company growth. but honestly there is not a huge difference in returns between SP500 and a whole US stock market (FZROX) in terms of returns over time. we now have the option to actually buy the whole US stock market instead of just the SP 500 so the current boglehead advice is to buy the whole market.
* FZROX/FZILX splits 80/20 vs 70/30 vs 60/40. this is the ratio of whole US stock market to whole world stock market. OG Boglehead philosphy was if you just bought the US market (FZROX) you would be good no reason to buy international. this philosophy has shifted as we have mechanisms to buy the whole world stock market (FZILX) cheaply. the current market cap (value) of US to international is 60/40 which is what I used for the equity portion of my splits. this follows the current boglehead recommendations for the three fund portfolio. if you feel more comfortable with a US bias, do a different split.
* Bonds . . . ahh bonds. there are two risks we are hedging against with investing, losing out to inflation and losing out to market losses. bonds help you hedge against market losses, equities/stocks help you hedge against losing out to inflation. generally the boglehead philosphy is to increase bond % of portfolio as one gets closer to retirement with an overall target of hitting \~40% bonds at retirement age. so in your 20s 0% bonds, in your 30s 10% bonds, in your 40s 20% bonds, in your 50s 30% bonds and by 65 is 40% bonds and hold that through retirement. There is an alternate path that many bogleheads hold of staying 100% equity until retirement and then shifting to 3-5 years of living expenses in bonds. I have seen what very financially savy family members did during the financial crisis and I've heard lots of stories from my family about the great depression, I know that holding 20% bonds will help me stay the course if my equity portion of my portfolio drops by 50% and stays low for 10 years. the question you have to answer is will you hold the course if you see a big drop in your equity portion? or will you do the worst thing possible and sell. managing this risk is what sets your ratio

Budgeting/Savings Advice
* Building a budget and making sure that you are putting 20+% of your income into retirement savings should be early steps. YNAB may be a good budgeting option.

Housing advice
* a house may not be out of reach, but getting your budget sorted and your retirement sorted are necessary first steps
* strongly recommend staying away from a mobile/prefabricated home that you put on land. they are not good real esate investment options and they can be more expensive than getting a stick built house.

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