From 24/7 Wall St. · Ryne Mauck · · 1m 10s
3 ETFs Simplify Retirement Spreadsheet
Three ETFs replace 40 tabs in retirement planning.
In brief
Three ETFs replace 40 tabs in retirement planning. Three ETFs simplify retirement spreadsheets by replacing 40 tabs with one page of investment strategy. Originally reported by 24/7 Wall St..
Retirement Spreadsheet Complexity
An affluent couple reviews financial documents considering strategies like optimizing 401(k) withdrawals for retirement.
Three ETFs Simplify Plan
iShares Core 80/20 Aggressive Allocation ETF (NYSEARCA:AOA), Vanguard Short-Term Treasury ETF (NASDAQ:VGSH), and Schwab U.S. Large-Cap Value ETF (NYSEARCA:SCHV) replace 40 tabs.
Hidden Costs of Complex Plans
Extra funds add rebalancing calculations and formula errors while thinning real diversification.
AOA Replaces Allocation Tabs
AOA holds 45.7% in S&P 500 funds, 22.8% in international developed-market stocks, and 8.5% in emerging markets.
AOA's Performance and Fees
AOA has $3.19 billion in net assets, rose 9.83% over the past year, and pays $2.11 per share quarterly.
VGSH Funds Withdrawals
VGSH holds short-dated U.S. Treasury bonds with 0.03% expense ratio and $0.1889 monthly payouts.
SCHV Keeps One Choice
SCHV tracks large U.S. value stocks with $15.67 billion in net assets and 21.51% annual growth.
The main idea
Three ETFs simplify retirement spreadsheets by replacing 40 tabs with one page of investment strategy.
