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Diversification beyond equities
Posted on 7/29/26 at 8:25 pm
Posted on 7/29/26 at 8:25 pm
How are you all diversifying - or better, planning to eventually diversify? I follow boglehead principles in general and invest in VT, VOO, VXUS, BND, etc. but I feel that isn’t enough. Too much equity concentration in the long run. CD ladders? Treasuries? RE? I fully acknowledge that equities are still the name of the game right now.
Down the line into retirement even with a good 3 fund mix will it hold up? Is there enough fixed income assets in this to be robust enough? Been thinking more about this lately and I feel like it’s not discussed enough. We’re in the best decade(s) of equities the markets have ever seen, retirees right now are coasting.
Down the line into retirement even with a good 3 fund mix will it hold up? Is there enough fixed income assets in this to be robust enough? Been thinking more about this lately and I feel like it’s not discussed enough. We’re in the best decade(s) of equities the markets have ever seen, retirees right now are coasting.
4
Posted on 7/29/26 at 8:44 pm to racknreel
it has been laid out here by many ad infinitum of what we invest in. other than stock market/selling options and /or dividends from all those.
1) real estate
2) trade commodity futures
3) lending
a cash flowing business is always a great way to diversify. start small.
i do sports gambling but most do not know how to treat it as a business so best you avoid it. not easy at all.
1) real estate
2) trade commodity futures
3) lending
a cash flowing business is always a great way to diversify. start small.
i do sports gambling but most do not know how to treat it as a business so best you avoid it. not easy at all.
Posted on 7/29/26 at 9:14 pm to racknreel
quote:
are still the name of the game right now.
Have an investment plan.
Objective (compartmentalized, eg, retirement income, kids’ college, new car etc).
Timeline.
Risk appetite to achieve it. Volatility absorption.
Let that be your guide. Not random.
I’m retired 6months. Fixed income is indeed part of above.
Posted on 7/29/26 at 10:38 pm to racknreel
Converted some long term gains in NBIS into 160 acres of crop and pasture land in Kansas earlier this year. Will look to increase some income producing (but not housing related) real estate holdings in the coming years. Still 20 years from retirement, but starting to execute my plan.
Posted on 7/30/26 at 8:45 am to racknreel
10-15 years ago I had a decent bond ladder. Rates became so low that I abandoned them.
Real estate is my primary diversion, but my approach is not a quick fix. You can get burned and experience is a good teacher. I started with rent houses, but have made more money in new construction, mostly residential. I buy land or lots, hire builders, build houses, hire realtor to sell them. This works much better in growth areas. I have tried it in 3 different markets that I had knowledge of. The costs were similar in each market, but the sell prices varied significantly. I make a very strong return in the growth area. There are variables and pitfalls that can greatly affect profits. But it is a good diversification from stocks. I spent a number of years building this part of my wealth, and do not have any regrets on this strategy.
Real estate is my primary diversion, but my approach is not a quick fix. You can get burned and experience is a good teacher. I started with rent houses, but have made more money in new construction, mostly residential. I buy land or lots, hire builders, build houses, hire realtor to sell them. This works much better in growth areas. I have tried it in 3 different markets that I had knowledge of. The costs were similar in each market, but the sell prices varied significantly. I make a very strong return in the growth area. There are variables and pitfalls that can greatly affect profits. But it is a good diversification from stocks. I spent a number of years building this part of my wealth, and do not have any regrets on this strategy.
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