Geoffrey Lordi

A Low Cost, Fully Diversified All ETF Portfolio

I agree with LSGuy - If I'd recommended 30% bonds to some of the 30-ish and 40-ish folks I work with, they'd have been displeased with my modeling. For some folks this might be fine, given average-low risk tolerance, or unique circumstances. However, I'm curious as to how you came up with that figure.

I'm not disputing your picks, though - we also own VWO, VTI, and PCY...

I'm curious to learn what your results were when you backtested with different allocations - say, 75% equities, 15% reits, and 10% bonds (and associated other derivations).

Best,
GL