Not exact matches
Each
fund invests in Vanguard's broadest
index funds, giving you access to thousands of U.S. and
international stocks and bonds,
including exposure to the major market sectors and segments.
You'll find
funds that seek to track U.S. stock market
indexes of all market caps, as well as several
international equity
index funds,
including an
index fund dedicated to emerging markets.
My approximate asset allocation is (most asset classes are in
index funds) 20 %
international stocks; 20 % US stocks; 8 % REITs; 3 % risky peer to peer loans; 30 % cash; 19 % bonds (
including 4 % in TIPS and I Bonds).
One solution is to open an IRA account (traditional or Roth) at a firm that offers a good selection of low - cost
index funds, and use that account to
include some
international and small company US stocks in your portfolio.
She might buy an
index fund that tracks the S&P 500 for her domestic fund, an index fund that includes stocks from all countries (except the U.S.) for her international fund and a fund that tracks the Barclays Capital U.S. Aggregate Bond Index for her bond
index fund that tracks the S&P 500 for her domestic
fund, an
index fund that includes stocks from all countries (except the U.S.) for her international fund and a fund that tracks the Barclays Capital U.S. Aggregate Bond Index for her bond
index fund that
includes stocks from all countries (except the U.S.) for her
international fund and a
fund that tracks the Barclays Capital U.S. Aggregate Bond
Index for her bond
Index for her bond
fund.
If we were not doing slice and dice, we would simply use a Total
International Stock Market
Index fund for our foreign stock allocation, which
includes developed markets, emerging markets, and small caps.
The
fund: Vanguard Total
International Stock ETF (Nasdaq: VXUS) The
index: The ETF tracks the MSCI All Country World ex-USA Investable Market Index, which includes virtually every country with a significant -LSB
index: The ETF tracks the MSCI All Country World ex-USA Investable Market
Index, which includes virtually every country with a significant -LSB
Index, which
includes virtually every country with a significant -LSB-...]
For our first born, Cygnet # 1, we opened a Utah 529 plan which at the time in 2014 had the lowest fees and best investment option for us which
included static
index investments (Vanguard
funds) in US and
International equities.
The fees I pay in Utah
include 20 bps for program management along with the underlying investment expense ratio which averages to 4.5 bps across the three
index funds I own (large cap, small cap, and
international).
A good core
international stock holding is Vanguard's Total International Stock Index fund, which includes both developed and emer
international stock holding is Vanguard's Total
International Stock Index fund, which includes both developed and emer
International Stock
Index fund, which
includes both developed and emerging markets.
Fidelity's lineup also
includes two sustainable
index funds: Fidelity U.S. Sustainability Index Fund (FENSX) and Fidelity International Sustainability Index Fund (FN
index funds: Fidelity U.S. Sustainability
Index Fund (FENSX) and Fidelity International Sustainability Index Fund (FN
Index Fund (FENSX) and Fidelity
International Sustainability
Index Fund (FN
Index Fund (FNIYX).
In terms of the types of instruments that are available for trading at eToro, they
include a wide selection of
international stocks,
indices, precious metals, commodities, currencies pairs (forex) and Exchange Traded
Funds (ETFs).
Green Century also offers the Green Century MSCI
International Index Fund (GCIFX / GCINX) and the Green Century Balanced
Fund (GCBLX), which
includes green and sustainable bonds.
While I have no problem with going all -
index — a total U.S. stock market
fund for broad domestic stock exposure, a total U.S. bond market
fund for your bond stake and a total
international fund if you want to
include foreign shares in your asset mix — I don't contend you would be totally undermining your investing efforts if you throw in the occasional actively managed
fund, provided it has low expenses.
A low - cost portfolio (preferably using
index funds, but that's MY choice) that
included international (both developed and emerging markets) funds and REITS with a bias toward small - cap and value stocks (also include International components) and rebalanced occasionally could provide 7 - 8 % (depending on your allocation) during thos
international (both developed and emerging markets)
funds and REITS with a bias toward small - cap and value stocks (also
include International components) and rebalanced occasionally could provide 7 - 8 % (depending on your allocation) during thos
International components) and rebalanced occasionally could provide 7 - 8 % (depending on your allocation) during those lean years.
The
fund invests primarily in established and emerging companies on an
international basis, with capitalization within the range of companies
included in the MSCI All Country World ex USA
Index.
With 340 stocks, it's meaningfully less diversified than a portfolio
including both a «total U.S.»
index fund and a «total
international»
index fund, which means you'd be taking on more risk for a given level of expected return, and
Examples
include Fidelity Global ex U.S.
Index Fund, iShares Core MSCI Total
International Stock ETF, Vanguard FTSE All - World ex-U.S.
Index Fund and Vanguard Total
International Stock
Index Fund.
The easiest effective and efficient way to invest in
international stocks is to use a (low - cost,
index) mutual
fund or ETF that invests in the total
international stock market,
including emerging markets.
Each
fund invests in Vanguard's broadest
index funds, giving you access to thousands of U.S. and
international stocks and bonds,
including exposure to the major market sectors and segments.
The reported expense reductions
include different classes of
fund shares, such as Investor, Admiral ETF, Institutional, and Institutional Plus, for the 12 months ended Oct. 31, 2015; they also encompass seven
fund categories —
international stock
index,
international actively managed stock,
international bond
index, domestic stock
index, domestic actively managed stock, target - risk and tax - exempt money market.
This direct investment strategy will be a change from how XEF currently implements its investment strategy by investing in shares of iShares Core MSCI EAFE ETF, a U.S. iShares
Fund that itself invests in a portfolio of
international equity securities
included in the XEF
Index.
If you want to
include lower cost global and
international bond
index funds in your portfolio, you could consider bond ETFs.
The percentages of the Portfolio's assets allocated to each Underlying
Fund are: Vanguard ® Total Bond Market II
Index Fund 60 % Vanguard ® Total
International Bond Index Fund 15 % Vanguard ® Institutional Total Stock Market Index Fund 17.5 % Vanguard ® Total International Stock Index Fund 7.5 % Through its ownership of the two bond funds, the Portfolio indirectly holds a mix of bonds — including government, government agency, corporate, securitized non-U.S. investment - grade fixed income investments and international dollar - denominated bonds, as well as mortgage - backed and asset - backed securities — that represents a wide spectrum of public, investment - grade, taxable, fixed income securities in the United States and abroad, all with maturities of more
International Bond
Index Fund 15 % Vanguard ® Institutional Total Stock Market
Index Fund 17.5 % Vanguard ® Total
International Stock Index Fund 7.5 % Through its ownership of the two bond funds, the Portfolio indirectly holds a mix of bonds — including government, government agency, corporate, securitized non-U.S. investment - grade fixed income investments and international dollar - denominated bonds, as well as mortgage - backed and asset - backed securities — that represents a wide spectrum of public, investment - grade, taxable, fixed income securities in the United States and abroad, all with maturities of more
International Stock
Index Fund 7.5 % Through its ownership of the two bond
funds, the Portfolio indirectly holds a mix of bonds —
including government, government agency, corporate, securitized non-U.S. investment - grade fixed income investments and
international dollar - denominated bonds, as well as mortgage - backed and asset - backed securities — that represents a wide spectrum of public, investment - grade, taxable, fixed income securities in the United States and abroad, all with maturities of more
international dollar - denominated bonds, as well as mortgage - backed and asset - backed securities — that represents a wide spectrum of public, investment - grade, taxable, fixed income securities in the United States and abroad, all with maturities of more than 1 year.
Of note is the
international fund with the ticker VDU, which will now attempt to follow an
index that
includes a roughly 8 % weighting to Canadian equities, excluding only the US market.
Equities
include stocks, mutual
funds,
index funds, and stocks from
international countries.
Strategies may
include actively managed stocks, writing covered call options, boutique active mutual / managed
funds, rotating sector ETFs,
international index ETFs or passively managed assets with a particular style that is different from the «core» style aimed at enhancing the bias of the «core».
Is there anything special one should know about investing in mid-cap stocks, and would you consider it an appropriate
fund to
include along with the Vanguard large (domestic and
international) and small blend
index funds that I've invested in to this point?
She is responsible for managing both domestic and
international equity
index portfolios,
including a variety of separate accounts, commingled
funds, ETFs and alternative beta strategies.
Grants awarded this year
included funding towards Stephen Willats: THISWAY - at
Index - The Swedish Contemporary Art Foundation, The Uncanny Valley at Wysing Arts Centre, and Glasgow
International 2016, as well as to Lady Lever Art Gallery, Locus +, Fruitmarket, Liverpool Biennial, and Camden Arts Centre.
Education startup Codecademy — which promises to help anyone learn to program with its game - like online courses — is stepping up to the
international market with a $ 10 million round of
funding from new backers
including Index Ventures and Kleiner Perkins.
How do I handle requests for such references?Thank you so much for your help!CherylCHERYL M. EARLE3407 Old Dobbin Road, Montgomery, Alabama 36116 - 1903Home Phone: 334-215-3706 Cell Phone: 334-233-2631 Fax: 334-273-0477 E-mail:
[email protected] position managing legal discovery and document review with opportunity to assist attorneys with civil litigationBAR ADMISSIONAlabama State Bar, 1999LAW - RELATED EXPERIENCELaw Firm, AlabamaResearch Attorney for Special Projects, Mass Torts Department, November 2001 — February 2008 • Managed Multi-District Litigation (MDL) Document Depository (September 2002 to February 2008) o Reviewed more than 1 million pages of evidentiary documents for litigation purposes and for inclusion in electronic databaseso Coordinated document review assignments with attorneys at local depository and at other sites across the USo Retrieved, reviewed and coded documents in Concordance and Summation legal databaseso Prepared memoranda and spreadsheets providing detailed analysis of discovery materials • Aided attorneys and support staff with processing and preparation of personal injury claims and litigationo Conducted legal research and drafted pleadingso Conducted supplementary online research for additional documents and information pertinent to litigationo Assisted with preparation of correspondence to clients and referring attorneyso Contacted clients for additional information needed in case preparation, litigation, and potential settlementso Prepared and input case intakes and referrals into databaseLaw School, AlabamaStudent Intern, Alabama Disabilities Advocacy Program (ADAP), August 1996 — June 1997 • Participated in law school clinical program under third - year law student practice rule (as authorized by Alabama Supreme Court) o Assisted attorneys and advocates in cases involving mentally ill patients confined to state mental health facilitieso Interviewed clients in person (at state facilities) and over the phoneo Worked with clients, attorneys, and social workers to investigate and resolve issues concerning involuntary confinement and treatmento Aided in legal research on an appellate brief submitted to the U. S. Court of Appeals for the Eleventh Circuit (ruling granted in favor of our client) Faculty Research Assistant for Library Services, Bounds Law Library, March 1996 — June 1997 • Prepared research and teaching materials for law school faculty; worked 20 hours per week while matriculating 10 - 15 hours per semester) o Investigated copyright issues related to procuring and reproducing texts for academic useo Conducted legal research using WESTLAW, LEXIS and the InternetADDITIONAL RELEVANT EXPERIENCEManufacturing Company (MC), Montgomery, AlabamaAdministrative Assistant and Cost Analyst, Materials Purchasing Department, April 1999 — September 2001 • Assisted materials buyers in negotiating and preparing commodities contracts between raw materials suppliers and MC for manufacturing plants in the US and Mexicoo Assisted Legal Department at MC's corporate headquarters with coordination and preparation of documents for litigationo Notified and educated suppliers about MC's freight - on - board policy and its corresponding Uniform Commercial Code (UCC) provisions; result was the reduction of freight claims for both the company and its supplierso Prepared contracts and purchase orders for raw materials and capital projects involving plant maintenanceo Solicited price quotations from current vendors and established Excel spreadsheet format which simplified quote submission process and allowed MC to track and compare usage volumes and costs over timeo Prepared and analyzed cost reports used by materials buyers and production planners in purchasing decisions,
including cost reductions, materials consolidation, and selection of vendorso Acted as liaison between vendors and the Purchasing, Transportation and Accounting Departments on issues concerning inbound freight, commercial carriers, and payment terms for commodities, resulting in reductions in freight costs and greater payment discounts for raw materialso Established online databases and printed directories for the Purchasing Department, allowing buyers to have easier and faster access to current vendor informationo Completed Year 2000 (Y2K) compliance project, which involved data collection and communication with MC's past, present, and potential materials suppliers and service providersNot - For - Profit Organization, AlabamaAdministrative Assistant, Combined Federal Campaign, September 1998 — January 1999 • Aided Campaign Director with 1998 Federal Campaigns (CFCs) in City 1 and City 2, which together generated nearly $ 700,000 for more than 1,000 local, national and
international charitieso Prepared weekly reports on donations using WordPerfect, Microsoft Word, Excel and dBase IVo Wrote script for Talent Showcase at City 1's 1998 CFC Kickoffo Assisted Director with merger of the City 1 and City 2 CFCs in 1999Regional Bank, AlabamaAdministrative Assistant, Year 2000 (Y2K) Department, March — June 1998 • Worked with Vice President of Corporate Projects on short - term project for the bank's Y2K Departmento Analyzed and processed data on Y2K readiness for all branches of Bank throughout the southeastern USo Organized meetings for personnel of Banko Communicated with vendors of computer hardware, software, and office equipment to request information on Y2K complianceo Prepared compliance files for Federal Reserve auditso Prepared in - house memoranda and reports using Microsoft Word and ExcelRecord / Music Promotion Company, AlabamaRecord Pool Co-Founder; Office Manager, September 1990 — December 1991 • Co-founded record pool to enhance promotion of music in Alabama and the southeastern USo Procured and distributed records from major and independent labels for club, radio and mobile disc jockeyso Coordinated jointly sponsored promotional events with record companies, radio stations and clubso Designed, wrote, and published bi-weekly reports and brochures to inform the music industry of the progress and popularity of music and performers in the region, with specific focus on the Alabama music sceneMajor University, AlabamaGraduate Research Assistant, AUM Department of Marketing, June 1989 — August 1990 • Worked 13 - 20 hours per week as a research assistant to Marketing faculty while carrying a full course load in the MBA programo Analyzed consumer surveys used in academic researcho Assisted Conference Chairperson with coordination for Atlantic Marketing Association (AMA) annual meeting (October 1989) o Co-authored five - year
index and classification of AMA Proceedings (published Fall 1991) EDUCATIONLaw School, AlabamaJuris Doctor (JD), 1997 • Scholarshipso Seybourn H. Lynne Scholarship, 1996 - 97o Dexter C. Hobbs Memorial Scholarship, 1995 - 96o E. W. Godbey Memorial Scholarship, 1994 - 95 • Honorso Who's Who Among American Law School Students, 1996 - 94o Arthur Davis Shores Award, 1997 • Activitieso Frederick Douglass Moot Court Team Manager, 1996 - 97 Southern Regional Competition, Second Place National Competition, Eighth Placeo John A. Campbell Moot Court Competition, Spring 1996o Black Law Students Association Delegate, BLSA National Convention, 1997 Co-Chairperson, Public Relations Committee, 1996 - 97 Chairperson, Public Relations Committee, 1995 - 96 BLSA President's Award, 1996 and 1997o American Bar Association, 1996 - 97 Entertainment and Sports Industries Forum Intellectual Property Section Law Student Divisiono LAWS Student Group Leader, 1995 - 96Major University, AlabamaMaster of Business Administration (MBA), 1990Bachelor of Science in Business Administration (B.S.B.A.), 1988 (Major: Marketing — Advertising and Promotion Track) • Honorso Dean's List • Activitieso National Student Advertising Competition Team, 1988 - 90 Seventh District Competition: Third Place, 1990o Marketing Club, 1987 - 90 Vice President — Career Development, 1988 - 89o Public Relations / Advertising (PR / AD) Club, 1988 - 90 Charter Member, 1988 Active in
fund - raising and membership driveso Theater Guild, 1988 - 90 Screening Committee, 1989REFERENCESAvailable upon request