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The Two Fund Portfolio consists of a two funds, depending on an investor’s asset class selection. For US investors seeking only domestic US investments, the fund selection is a US total stock market index and a US bond market index.
For investors seeking global allocations, the fund selection is a global stock market index fund and a US bond market index fund. ... The following table lists 2022 total returns for various examples of “lazy portfolios”. Some of the portfolios (Coffeehouse and Coward’s) are designed as 60/40 stock/bond portfolios. Other portfolios (Armstrong Ideal and Swensen) are designed as 70/30 stock/bond portfolios. The two-fund, three-fund, and four-fund portfolios are scaled to similar stock/bond allocations.The 2008 inception of the Vanguard Total World Stock Index fund makes it easy for investors to invest in a simple global two-fund portfolio, using a combination of the total world stock index fund with a total US bond index fund. Sample two-fund allocations are indicated below.The US two fund portfolio is a portfolio design consisting of two “total” market index funds covering the US stock market and the US taxable investment grade bond market. The 2022 return for the portfolio’s constituent Vanguard funds: Below are four portfolios with allocations devoting various stock/ bond allocations (click images to enlarge).The following table lists 2021 total returns for various examples of “lazy portfolios”. Some of the portfolios (Coffeehouse and Coward’s) are designed as 60/40 stock/bond portfolios. Other portfolios (Armstrong Ideal and Swensen) are designed as 70/30 stock/bond portfolios. The two-fund, three-fund, and four-fund portfolios are scaled to similar stock/bond allocations.
For non-US investors, acting on fund or ETF suggestions in it may have harmful US tax consequences. Non-US investors can find related information at Simple non-US portfolios. Investors who want a simple asset allocation portfolio often use a two-fund portfolio.
The fund selections can vary depending on asset class (global equity or domestic equity, and bond type), and asset type (mutual fund, exchange-traded fund (ETF), and collective investment trust (CIT)). Rick Ferri has proposed a two-fund portfolio consisting of the following asset classes:However, you can substitute a global bond index fund/ETF, a US intermediate-term bond index fund/ETF, a US intermediate-term treasury bond index fund/ETF, or a US municipal bond index fund/ETF for the fixed income allocation. You may also find that employer-provided retirement plans will use collective investment trusts as investment vehicles. You can adjust Rick Ferri's two-fund portfolio to reflect any stock/bond allocation.John Bogle has often suggested that an investor can use one total US stock market index fund and one total US bond index fund.[note 1] He has also suggested that an intermediate-term bond index fund, or a low-cost intermediate municipal bond fund can be used for fixed income allocations. You can allocate the portfolio in various stock/bond allocations, as shown in the charts below. ... Warren Buffett has suggested a two-fund portfolio consisting of a 90% allocation to an S&P 500 index fund and a 10% allocation to treasury bills.[note 2]However, you are free to substitute an intermediate bond fund (total bond, intermediate bond, treasury bond, or municipal bond) for the t-bill allocation if desirable. Many employer-provided retirement plans offer S&P 500 index funds or collective investment trusts. You can also choose to allocate the Buffett two-fund portfolio to various stock/bond allocations.
Following just behind in second and third on our short list are two funds from the Jupiter Merlin range – the Jupiter Merlin Monthly Income Select and Jupiter Merlin Conservative Select funds.
News archive including articles on Fund Managers, Fund Selection, Asset Allocation, Absolute Return, Offshore Investments, Tax Shelters, Insurance bonds. The top-performing multi-asset funds you may not know | TrustnetMulti-asset funds are a popular option for investors looking for asset-allocation ‘one-stop shops’. However, with almost 652 funds across the four Investment Association (IA) multi-asset sectors, determining where to start can be a struggle.Some investors might favour a less adventurous portfolio, with a more balanced allocation to bonds and equities. For them, 25 funds matched our criteria for ‘hidden gems’ in the IA Mixed Investment 20-60% sector.An Invesco strategy took the top spot again, with the Invesco Global Income fund up by 32.7%. Led by Stephen Anness, Alexandra Ivanova, Asad Bhatti and Stuart Edwards, it delivered a top-quartile performance each calendar year since 2023.
Every major fund firm, including BlackRock Inc. and State Street Corp., is waiting for the SEC’s greenlight on the matter. They had filed for exemptive relief after Vanguard Group’s exclusive patent on the novel fund design expired two years ago.
The US Securities and Exchange Commission is getting closer to making a decision about whether asset managers can offer ETFs as share classes of mutual funds, according to Kaitlin Bottock, assistant director at the regulator’s division of investment management.
With that as the backdrop, here's a closer look at two dividend-oriented exchange-traded funds that are solid buys for income-minded investors right now, and a look at one dividend ETF you might want to avoid for the time being.
Key PointsSchwab’s U.S. Dividend Equity ETF requires fundamental business strength beyond a mere dividend.The Vanguard Dividend Appreciation ETF delivers despite what might look anDividend stocks are the obvious answer, although buying and holding individual dividend payers may be more hassle than many investors want. Baskets of dividend-paying stocks -- in the form of exchange-traded funds, or ETFs -- are an even simpler solution that will likely work just as well.Chevron, drugmaker AbbVie, tobacco giant Altria, and PepsiCo are some of this ETF's biggest positions at this time, although being based on the partially equal-weighted Dow Jones U.S. Dividend 100 Index, the fund's biggest holdings can and do regularly change during its quarterly rebalancing.It's a curious index to build an ETF around. Most funds are still cap-weighted (for better or worse), and while this index's core requirement is reliable dividend payments, dividend growth isn't the only criteria for inclusion.
Saltydog Investor crunches the numbers and highlights key trends among the best-performing funds and sectors in August.
In August, the focus narrowed again. Not surprisingly, five funds from the month’s best-performing sector, China/Greater China, made it into the top 10, but the top four funds were from the Specialist sector.Nevertheless, the combination of strong central bank demand, inflationary pressures, a weaker dollar, geopolitical risk, and the prospect of lower interest rates should support demand. For investors seeking diversification and protection against shocks, gold funds remain a compelling, if high-risk, option.Our list of top-performing funds has shifted noticeably from month to month. In June, Technology & Technology Innovation dominated, with five of the top 10 funds coming from that sector.Specifically, funds investing in companies involved in the mining of gold and other precious metals.
Buffett's advice to investors, especially for retirement planning, is to opt for low-cost, broad-market index funds and maintain a long-term perspective.
For this, you’d be hard-pressed to find a better tutor than Warren Buffett. His advice to investors, especially when it comes to retirement planning, is to opt for low-cost, broad-market index funds and maintain a long-term perspective.In a letter to Berkshire Hathaway shareholders, Buffett shared that he had instructed the trustee managing funds for his wife’s benefit to invest 10% in short-term government bonds and 90% in a low-cost S&P 500 index fund, such as those offered by Vanguard.It still provides basic diversification across asset classes by including both stocks and bonds. For example, a 2-fund portfolio could be a total stock market index fund and a total bond market index fund, which usually involves low-cost index funds, minimizing expense ratios.The 2-fund portfolio strategy is rooted in the principles of John Bogle, the founder of Vanguard and a proponent of low-cost index investing. Bogle famously said, “Investing is not nearly as difficult as it looks.
South Korea’s Government Employees Pension Service (GEPS) is seeking two infrastruture fund houses to commit 50 million euros ($60 million) to each as it
South Korea’s Government Employees Pension Service (GEPS) is seeking two infrastruture fund houses to commit 50 million euros ($60 million) to each as it is raising exposure to Europe in pursuit of higher returns than its mid-term target of 7.70%.Screenshot captured from Pantheon's website Pantheon, a London-headquartered leading global private markets investor, has kicked off a $4 billion fundraising round for its latest global infrastructure secondaries fund, drawing interest from major South Korean institutional investors.Kirsten Whitehead, a partner at QIC, speaks at the investment conference ASK 2025 on May 22 Australia is uniquely positioned to offer a diversified and resilient exposure for infrastructure equity investment, supported by its solid economic fundamentals and investor-friendly environment, as wel(Courtesy of Getty Images) South Korean pension funds are raising their bets on infrastructure and global stocks, while reducing exposure to the domestic stock market on a downward streak following President Yoon Suk Yeol's martial law decree and impeachment in December, according to their seni
While gold is often viewed as a store of value, silver has significant industrial demand. Combining both may help investors create a more balanced portfolio.
This approach could help reduce the ‘regret risk’ of trying to time the market to bet on one of the two precious metals by guessing which one will do better at that stage. By holding both, you could benefit from the strengths of both at the same time. Mirae Asset Gold Silver Passive FoF (An open-ended fund of fund scheme predominantly investing in units of Mirae Asset Gold ETF and Mirae Asset Silver ETF)Mirae Asset Gold Silver Passive FoF offers a professionally managed and potentially tax-efficient way to invest in gold and silver. For the average investor, the complexities and costs associated with buying physical metal or managing two separate ETFs may not always be feasible. This New Fund Offer aims to simplify this process through seamless internal rebalancing.One of the advantages to an investor is that the fund can adjust its allocation between gold and silver without triggering capital gains tax for the investor. Further, its allocation strategy is based on data-driven signals like trend, momentum, and macro overlays.For further information about other schemes (product labelling and performance of the fund), please visit the website.
A budget amendment to fund two new positions, including a director of operations for the Tax Commissioner's Office, was approved by the Newton County Board of Commissioners Sept. 2.
COVINGTON — A budget amendment to fund two new positions, including a director of operations for the Tax Commissioner's Office, was approved by the Newton County Board of Commissioners Sept.
Index of /~boyd/papers
Hao Zhang pioneered machine learning trading research at Two Sigma, generating billions in profits. Zhang intends to launch Hippocampus Capital Management in early 2026, sources said. One of the most prolific Wall Street investors you've never heard of is preparing to launch a hedge fund.
He's never been written about in a mainstream news article, but in certain quant finance circles, Hao Zhang is a revered figure. For 17 years, up until 2024, the quant researcher produced some of the most valuable trading signals at $60 billion hedge-fund giant Two Sigma.A pioneer in applying machine learning to markets at Two Sigma, Zhang is now planning to hang out his own shingle. He's in the early stages of talking to potential investors and hedge fund service providers, according to five people who've been briefed on the plans.One of the top quant researchers in Two Sigma's history is starting his own hedge fund.Two Sigma, which has 1,700 employees today, was a comparatively small firm when it hired Zhang in 2007, operating in what was then the secretive hedge fund niche of quant trading.
Company’s Corient division acquired Stonehage Fleming and Stanhope Capital
Toronto-based CI Financial Corp. put the financial heft of its new owner to work on Tuesday, acquiring two European fund managers with US$214-billion in assets – doubling the size of its high-net-worth wealth management business.Mubadala parent Mubadala Investment Co. has approximately US$330-billion invested around the world. In addition to its headquarters in Abu Dhabi, the fund manager has offices in London, Moscow, New York and Beijing.The acquisitions comes less than a month after Abu Dhabi-based sovereign wealth fund Mubadala Capital took CI Financial private in a $4.7-billion transaction. The Mubadala purchase closed on Aug.In Canada, recent takeovers of Burgundy Asset Management Ltd. and Guardian Capital Group Ltd. valued the money managers at approximately 2 per cent of their client assets. By that metric, the two European businesses could collectively be worth around US$4.2-billion, if they have similar structures and profit levels.
As for the dividend, it does float ... dividends. But the fund does pay out four times a year, which does add some consistency. The key point, however, is that ADX is a far better deal than GAB, trading at an 8% discount that’s been fading (in the usual two-steps-forward, ...
As for the dividend, it does float around a bit, as ADX commits to paying 8% of NAV as dividends. But the fund does pay out four times a year, which does add some consistency. The key point, however, is that ADX is a far better deal than GAB, trading at an 8% discount that’s been fading (in the usual two-steps-forward, one-step-back pattern).With that in mind, today we’re going to look at two closed-end funds (CEFs) that hold many of the same stocks, and have similar dividend payouts.Market Analysis by covering: S&P 500, Deere & Company, Mastercard Inc, Texas Instruments Incorporated. Read 's Market Analysis on Investing.comTake, for instance, a closed-end fund (CEF) called the Gabelli Equity Trust (GAB) (NYSE:GAB).
The proposed schemes are QSIF Equity Long-Short Fund and QSIF Equity Ex-Top 100 Long-Short Fund.
Quant Mutual Fund has filed draft documents with the Securities and Exchange Board of India (SEBI) to launch two long-short funds under the Specialised Investment Fund (SIF) framework, according to Value Research report. The proposed schemes are QSIF Equity Long-Short Fund and QSIF Equity Ex-Top 100 Long-Short Fund.HomePersonal Finance NewsQuant Mutual Fund seeks SEBI approval for two long-short Specialised Investment FundsThe first will adopt a broad long-short strategy across the market, while the second will focus on mid- and small-cap stocks, excluding the top 100 companies by market capitalisation, according to Value Research. The SIF framework, introduced by SEBI in early 2025, enables mutual funds to offer hedge-style products such as long-short equity, sectoral, and hybrid strategies, with a minimum ticket size of ₹10 lakh.SIFs bridge the gap between mutual funds, portfolio management services (PMS) and alternative investment funds (AIFs). They combine the transparency of mutual funds with the flexibility of PMS and the strategy-specific focus of AIFs.
Explore investment strategies like 'Two Funds for Life.' Access free resources & podcasts to enhance your financial future.
Don’t miss this engaging Choose FI Facebook Live event in which Paul Merriman presents “12 Million-Dollar Decisions Guaranteed To Change Your Financial Future,” followed by Chris Pedersen with “Two Funds for Life”. This 3-hour event, attended by more than 300 viewers and viewed by more than 7,000 in it’s first day online, was hosted and moderated by ChooseFI Community Manager Jennifer Mah.In this live Zoom event, May 9, 2020, Paul Merriman, founder of The Merriman Financial Education Foundation and Chris Pedersen, financial analyst and writer, join Rob Bernstein to address the two best buy and hold strategies they know. These include “Two Funds for Life” and the “The Ultimate Buy and Hold Strategy”, as well as “12 Million-Dollar Investment Decisions Guaranteed to Change Your Financial Future”.2 Funds for Life Podcast A simple strategy to maximize your retirement investments. In this podcast, Paul Merriman and Chris Pedersen – who spent nearly two years developing the “2 Funds for Life” strategy – discuss the rationale, research, details and benefits to easily implement this simple strategy.“12 Million-Dollar Decisions Guaranteed To Change Your Financial Future” and “Two Funds for Life”
Learn the Two Funds for Life strategy for retirement. Optimize your portfolio with a blend of target-date & equity funds. Start planning today!
In 2018, Paul and I introduced a new investment approach we called two funds for life. The goal was to come up with a simple approach that would help young investors do better. It started with the observation that target-date funds (TDFs) are wildly popular, well-diversified, cost-effective investments that prudently reduce risk for investors as they approach retirement.In backtesting, this approach outperformed a pure target date fund approach significantly in more than 99% of the 40-year periods tested, and only increased portfolio downside risk by 2% to 6%. Here’s the summary data from that study (please see the original article for a full explanation of the details). · The approach also triggered many unanswered questions, mostly related to applying a two-fund strategy at or in retirement.More importantly, they are doing what’s needed to make early retirement possible. They are living frugally and saving aggressively. Assuming that results in a nest egg large enough to enable retiring much younger, how would you apply the Two Funds for Life strategy which was originally built on an assumption of retiring around age 65?As always, there are no guarantees, but the same principles that make this strategy work for age 65 retirees can help early retirees. The Two Funds for Life strategy will still mitigate the overly conservative approach of target-date funds in the early years, potentially increase returns with only slight increases in drawdown risk, and ramp that risk down approaching retirement.
If investing in just two funds, it is crucial to make them as different as possible to provide diversification benefits and one way to do this could be to choose different styles of investing, such as a growth and a value fund, which are likely to perform strongly at different times.
Experts suggest a simple portfolio for minimalist investors, offsetting value and growth funds. ... Simple things are easier to keep track of and more manageable – this universal truth also applies to investment portfolios. Not only that: DIY investors might not have the time, drive or money to curate and maintain a long list of investments, in which case simple portfolios can be not a choice, but a necessity. If investing in just two funds, it is crucial to make them as different as possible to provide diversification benefits and one way to do this could be to choose different styles of investing, such as a growth and a value fund, which are likely to perform strongly at different times.Below, we asked experts to highlight fund pairings that would work well as a minimalist, two-fund portfolio based on the growth/value divide.This article is part of a series on two-fund portfolios.For example, growth stocks have historically performed well when interest rates are below 4%, whilst value stocks tend to outperform when interest rates are higher, said Victoria Hasler, head of fund research at Hargreaves Lansdown.
South Korea’s Government Employees Pension Service (GEPS) is seeking two infrastruture fund houses to commit 50 million euros ($60 million) to each as it
South Korea’s Government Employees Pension Service (GEPS) is seeking two infrastruture fund houses to commit 50 million euros ($60 million) to each as it is raising exposure to Europe in pursuit of higher returns than its mid-term target of 7.70%.Screenshot captured from Pantheon's website Pantheon, a London-headquartered leading global private markets investor, has kicked off a $4 billion fundraising round for its latest global infrastructure secondaries fund, drawing interest from major South Korean institutional investors.Kirsten Whitehead, a partner at QIC, speaks at the investment conference ASK 2025 on May 22 Australia is uniquely positioned to offer a diversified and resilient exposure for infrastructure equity investment, supported by its solid economic fundamentals and investor-friendly environment, as wel(Courtesy of Getty Images) South Korean pension funds are raising their bets on infrastructure and global stocks, while reducing exposure to the domestic stock market on a downward streak following President Yoon Suk Yeol's martial law decree and impeachment in December, according to their seni
Total stock funds are fine but total bond market funds aren’t. The bond universe is infinitely more complicated than the stock universe. It sounds like you’re at a BD, though, and you’d be better off at an RIA where you won’t have custody ... You gotta pretend you're adding value for that management fee. Two ...
Total stock funds are fine but total bond market funds aren’t. The bond universe is infinitely more complicated than the stock universe. It sounds like you’re at a BD, though, and you’d be better off at an RIA where you won’t have custody ... You gotta pretend you're adding value for that management fee. Two positions ain't gonna cut it.So build a 2 fund portfolio out of 10-15 funds; point to Fama & French; then profit. ... Clients don't give a crap about Fama & French, but yeah ...pretty much, ain't no client gonna accept a two ticker portfolio.Perfect. Two tickers it is. ... Mine do. The difference is in what we see as our job. My job is to give my clients good advice. That's what they pay for. Other investment pros view their job as selecting investments. If you're primarily an investment manager, then 2 funds won't cut it.In the past I haven’t been too crazy about implementing selecting individual funds for clients because the barrier/time to educate myself was too high. Thankfully leaving that job. ... Correlations between fixed income and the stock market in the US have been increasing. It doesn’t seem like you’re providing enough diversification in a portfolio with only these two asset classes.
