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I'm about to start investing with lump sum next week since stocks looks cheaper. I was thinking to go with 80% SWDA (global stocks [1]) and 20% AGGU (global bon

I'm about to start investing with lump sum next week since stocks looks cheaper. I was thinking to go with 80% SWDA (global stocks [1]) and 20% AGGU (global bonds[2]). I'm a non US resident. - Should I consider to take less bonds? - Is lump sum a good idea, or should I DCA? [1] https://www.ishares.com/uk/individual/en/products/251882/ishares-msci-world-ucits-etf-acc-fund https://www.ishares.com/uk/individual/en/products/251882/ish... [2] https://www.ishares.com/uk/individual/en/products/291772/ishares-core-global-aggregate-bond-ucits-etf-fund https://www.ishares.com/uk/individual/en/products/291772/ish...

brenden2 7y ago
For questions like this, check out the Bogleheads wiki: https://www.bogleheads.org/wiki/Main_Page https://www.bogleheads.org/wiki/Main_Page There's a lot of research on lump sum vs. DCA, which is summarized here: https://www.bogleheads.org/wiki/Dollar_cost_averaging https://www.bogleheads.org/wiki/Dollar_cost_averaging
smabie 7y ago
I would consider dropping the bonds unless you are going with junk bonds. The yield on high-grade bonds is trash and not worth it. In fact, the only reason anyone buys that shit is: a) they are legally required to b) they don’t care about making money, just not losing it. Instead, I would consider adding metals (or just gold) as your 20% uncorrelated asset. The way my portfolio currently looks as of today (it changes a lot) is 50% gold and 50% 3x levered S&P 500 etf. This effectively gives me 1.5x market exposure plus an uncorrelated asset that both boosts my returns and cuts my volatility. When I feel like this whole coronavirus thing is over I’ll probably increase the 3x market exposure.
hamstercat 7y ago
I would not recommend taking investment advice from HackerNews. /r/PersonalFinance is a better place, or you can start reading forums like Boggleheads and blogs. If you’re canadian I can recommend a couple of blogs I follow, otherwise I’m sure there are others from your country with specific advice. If all else fails, paying a for-fee advisor that doesn’t sell funds can help you setup a plan for yourself.
phaemon 7y ago
From your links I guess you're in the UK, in which case check out the Monevator site. It's UK specific financial advice, with an emphasis on FIRE.

brenden2 7y ago

For questions like this, check out the Bogleheads wiki: https://www.bogleheads.org/wiki/Main_Page https://www.bogleheads.org/wiki/Main_Page There's a lot of research on lump sum vs. DCA, which is summarized here: https://www.bogleheads.org/wiki/Dollar_cost_averaging https://www.bogleheads.org/wiki/Dollar_cost_averaging

smabie 7y ago

I would consider dropping the bonds unless you are going with junk bonds. The yield on high-grade bonds is trash and not worth it. In fact, the only reason anyone buys that shit is: a) they are legally required to b) they don’t care about making money, just not losing it. Instead, I would consider adding metals (or just gold) as your 20% uncorrelated asset. The way my portfolio currently looks as of today (it changes a lot) is 50% gold and 50% 3x levered S&P 500 etf. This effectively gives me 1.5x market exposure plus an uncorrelated asset that both boosts my returns and cuts my volatility. When I feel like this whole coronavirus thing is over I’ll probably increase the 3x market exposure.

hamstercat 7y ago

I would not recommend taking investment advice from HackerNews. /r/PersonalFinance is a better place, or you can start reading forums like Boggleheads and blogs. If you’re canadian I can recommend a couple of blogs I follow, otherwise I’m sure there are others from your country with specific advice. If all else fails, paying a for-fee advisor that doesn’t sell funds can help you setup a plan for yourself.

phaemon 7y ago

From your links I guess you're in the UK, in which case check out the Monevator site. It's UK specific financial advice, with an emphasis on FIRE.