{"id":19446,"date":"2025-01-09T15:38:31","date_gmt":"2025-01-09T15:38:31","guid":{"rendered":"https:\/\/peraltafinancing.com\/business\/finance\/mmb-portfolio-asset-allocation-performance-2024-year-end-update-my-money-blog\/"},"modified":"2025-01-09T15:38:31","modified_gmt":"2025-01-09T15:38:31","slug":"mmb-portfolio-asset-allocation-performance-2024-year-end-update-my-money-blog","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=19446","title":{"rendered":"MMB Portfolio Asset Allocation &#038; Performance \u2013 2024 Year-End Update \u2014 My Money Blog"},"content":{"rendered":"<p> <br \/>\n<\/p>\n<div>\n<p><a href=\"https:\/\/personalcapital.sjv.io\/e4R5XD\" rel=\"noopener\" target=\"_blank\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2023\/04\/empower_dash1.jpg\" alt=\"\" width=\"720\" height=\"526\" class=\"aligncenter size-full wp-image-75527\" srcset=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2023\/04\/empower_dash1.jpg 720w, https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2023\/04\/empower_dash1-300x219.jpg 300w, https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2023\/04\/empower_dash1-180x132.jpg 180w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/a><\/p>\n<p>Here\u2019s my Year End 2024 update for our primary investment holdings, including all of our combined 401k\/403b\/IRAs and taxable brokerage accounts but excluding our house and side portfolio of self-directed investments.   Following the concept of <a href=\"https:\/\/www.mymoneyblog.com\/skin-in-the-game-taleb-book-notes.html\" rel=\"noopener noreferrer\" target=\"_blank\">skin in the game<\/a>, the following is not a recommendation, but a sharing of our real-world, imperfect, low-cost, diversified DIY portfolio.  <\/p>\n<blockquote>\n<p>\u201cNever ask anyone for their opinion, forecast, or recommendation. Just ask them what they have in their portfolio.\u201d \u2013 Nassim Taleb<\/p>\n<\/blockquote>\n<p><strong>How I Track My Portfolio<\/strong><br \/>Here\u2019s how I track my portfolio across multiple brokers and account types.  There are limited free advanced options after Morningstar discontinued free access to their portfolio tracker.  I use both Empower Personal Dashboard (previously known as Personal Capital) and a custom Google Spreadsheet to track my investment holdings:  <\/p>\n<ul>\n<li>The <a href=\"https:\/\/personalcapital.sjv.io\/e4R5XD\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>Empower Personal Dashboard real-time portfolio tracking tools<\/strong><\/a> (<strong>free<\/strong>) automatically logs into my different accounts, adds up my various balances, tracks my performance, and calculates my overall asset allocation daily.  Formerly known as Personal Capital.<\/li>\n<li>Once a quarter, I also update my <a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/1e7997m_ytkMNOr1UpA9W0qPMfT4SibwjIzS8DQ8lUU8\/copy\" rel=\"noopener noreferrer\" target=\"_blank\"><strong>manual Google Spreadsheet<\/strong><\/a> (<strong>free to copy<\/strong>, <a href=\"https:\/\/www.mymoneyblog.com\/simple-portfolio-rebalancing-spreadsheet-tool.html\" rel=\"noopener noreferrer\" target=\"_blank\">instructions<\/a>) because it helps me calculate how much I need in each asset class to rebalance back towards my target asset allocation.  I also create a new tab each quarter, so I have a personal archive of my holdings dating back many years.<\/li>\n<\/ul>\n<p><strong>2024 Year End Asset Allocation and YTD Performance<\/strong><br \/>Here are updated performance and asset allocation charts, per the \u201cHoldings\u201d and \u201cAllocation\u201d tabs of my Empower Personal Dashboard.    <\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/01\/2024ye_perf_fixed.gif\" alt=\"\" width=\"720\" height=\"364\" class=\"aligncenter size-full wp-image-82097\" \/><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/01\/2024ye_aa_fixed2.gif\" alt=\"\" width=\"720\" height=\"357\" class=\"aligncenter size-full wp-image-82115\" \/><\/p>\n<p>I own broad, low-cost exposure to productive assets that will provide long-term returns above inflation, distribute income via dividends and interest, and offer some historical tendencies to balance each other out.   I have faith in the long-term benefit of owning all of the best businesses worldwide, as well as the stability of high-quality US Treasury debt.  <\/p>\n<p>I let my stock holdings float relatively close to the <a href=\"https:\/\/investor.vanguard.com\/etf\/profile\/portfolio\/vt\" rel=\"noopener noreferrer\" target=\"_blank\">total world market cap<\/a> breakdown, and it is now at ~65% US and ~35% ex-US.   I do add just a little \u201cspice\u201d to the broad funds with the inclusion of \u201csmall value\u201d factor ETFs for US and Developed International stocks as well as diversified real estate exposure through US REITs.  But if you step back and look at the big picture, this is my simplified target portfolio:<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2024\/07\/2024q2_port_pie.gif\" alt=\"\" width=\"720\" height=\"540\" class=\"aligncenter size-full wp-image-80198\" \/><\/p>\n<p>By paying minimal costs including management fees, transaction spreads, and tax drag, I am trying to essentially <em>guarantee<\/em> myself above-average net performance over time.  <\/p>\n<p>The portfolio that you can hold onto through the tough times is the best one for you.  Every asset class will eventually have a low period, and you must have strong faith during these periods to earn those historically high returns.   You have to keep owning and buying more stocks through the stock market crashes.  You have to maintain and even buy more rental properties during a housing crunch, etc.    <strong>A good sign is that if prices drop, you\u2019ll want to buy <em>more<\/em> of that asset instead of less.<\/strong>    I don\u2019t have strong faith in the long-term results of commodities, gold, or bitcoin \u2013 so I don\u2019t own them.  <\/p>\n<p>I do not spend a lot of time backtesting various model portfolios, as I don\u2019t think picking through the details of the recent past will necessarily create superior future returns.   You\u2019ll usually find that whatever model portfolio is popular at the moment just happens to hold the asset class that has been the hottest recently as well.   <\/p>\n<p>I have settled into a long-term target ratio of roughly 70% stocks and 30% bonds within our investment strategy of buy, hold, and occasionally rebalance.   My goal has evolved to more of a \u201cperpetual income portfolio\u201d as opposed to a \u201cbuild up a big stash and hope it lasts until I die\u201d portfolio.   My target withdrawal rate is 3% or less.   Here is a round-number breakdown of my target asset allocation along with my primary ETF holding for each asset class.  <\/p>\n<ul>\n<li>35% US Total Market (VTI)<\/li>\n<li>5% US Small-Cap Value (VBR\/AVUV)<\/li>\n<li>20% International Total Market (VXUS) <\/li>\n<li>5% International Small-Cap Value (AVDV)<\/li>\n<li>5% US Real Estate (REIT) (VNQ) <\/li>\n<li>15% US \u201cRegular\u201d Treasury Bonds or FDIC-insured deposits<\/li>\n<li>15% US Treasury Inflation-Protected Bonds or I Savings Bonds<\/li>\n<\/ul>\n<p>I do let things wobble a bit so I don\u2019t have to keep rebalancing.  Also, I have limited tax-deferred space for TIPS so I own less than I might otherwise.   So the bonds is closer to 20% Treasuries and 10% TIPS.<\/p>\n<p><strong>Performance details.<\/strong> According to <a href=\"https:\/\/www.mymoneyblog.com\/recommends\/empower-dashboard\" rel=\"noopener noreferrer\" target=\"_blank\">Empower<\/a>, my portfolio went up around 11.5% in 2024.    The S&amp;P 500 went up 23.3% in 2024, while the US Bond index went up around 1.3%.    Another year of relative underperformance in international stocks in the books.<\/p>\n<p>Overall, we spent some of our dividends\/interest and also made some 401k\/IRA contributions with income to take advantage of tax-deferred opportunities.  We no longer have the crazy savings rate of our 20s and 30s.   Owning stocks continues to reward long-term investors.   Out of curiosity, I generated a Morningstar Growth of $10,000 Chart for the <a href=\"https:\/\/www.morningstar.com\/funds\/xnas\/vasgx\/chart\" rel=\"noopener\" target=\"_blank\">Vanguard LifeStrategy Growth Fund<\/a> (VASGX) which holds a static 80% stocks and 20% bonds and most closely mimics my portfolio since 2005, roughly when I started investing more seriously and started this blog.  A very rough approximation is to expect your money to double every decade (Rule of 72).   The money that I invested 20 years ago has indeed roughly doubled twice (4X).   <\/p>\n<p><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.mymoneyblog.com\/wordpress\/wp-content\/uploads\/2025\/01\/vasgx_2005to2025.gif\" alt=\"\" width=\"720\" height=\"423\" class=\"aligncenter size-full wp-image-82062\" \/><\/p>\n<p>I\u2019ll share about more about the income aspect in a separate post.<\/p>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Here\u2019s my Year End 2024 update for our primary investment holdings, including all of our combined 401k\/403b\/IRAs and taxable brokerage accounts but excluding our house and side portfolio of self-directed investments. Following the concept of skin in the game, the following is not a recommendation, but a sharing of our real-world, imperfect, low-cost, diversified DIY [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":19447,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[93],"tags":[11576,10911,3767,11575,832,5786,9162,4238,11378],"dealstore":[],"offerexpiration":[],"class_list":["post-19446","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","tag-allocation","tag-asset","tag-blog","tag-mmb","tag-money","tag-performance","tag-portfolio","tag-update","tag-yearend"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>MMB Portfolio Asset Allocation &amp; Performance \u2013 2024 Year-End Update \u2014 My Money Blog - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=19446\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"MMB Portfolio Asset Allocation &amp; Performance \u2013 2024 Year-End Update \u2014 My Money Blog - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"Here\u2019s my Year End 2024 update for our primary investment holdings, including all of our combined 401k\/403b\/IRAs and taxable brokerage accounts but excluding our house and side portfolio of self-directed investments. 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