Again, I'd strongly suggest an index fund — one that tracks the US total stock market or the S & P. Later on you can diversify into
international index funds as well!
I suggest putting money into an index fund such as the S&P 500 as well as
an international index fund as well.
Not exact matches
I plan: 5 % — swing for the fences 10 % — save for big blue chip bargain buys that pop up throughout the year 10 % — VNQ, other than our primary residence, I have no exposure to RE, so this should help with that 15 % — VXUS,
international index exposure 60 % — VTI, total stock market
index (
as I get older, I will be also adding BND or a bond
fund, but at 32, I'm working on building equities!)
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.
These
funds seek to track the performance of well - known
international equity
indexes, such
as the FTSE Emerging
Index or the MSCI EAFE
Index.
Quick example: managers of actively managed
funds investing in
international stocks will use the EAFE
index as their measuring stick and try to beat it.
As you probably know I am huge believer in
index funds and 80 % of my Millennial Money portfolio is invested in
funds that track the domestic and
international stock
indexes.
In other words, you would buy $ 354.42 more of the
International stock
index fund and sell $ 107.58 worth of shares of the U.S. stock
fund and $ 246.84 of the bonds, so that the percentages return to the original proportions,
as shown in the value of the target asset allocation row.
That way the
International stock
index fund would increase
as a percent of the total portfolio until returning to the desired allocation.
Not surprisingly,
international equity has been one of the more popular ETF categories over the first six months
as some investors sought potential opportunities in
funds like iShares Core MSCI EAFE IMI
Index ETF (XEF), which attracted inflows of $ 72.9 million this year through June, according to BlackRock's Follow the Flow data.
Investors may want to think about taking a percentage of their U.S. core bond
fund exposure and allocating it to a hedged
international bond market index fund, such as the iShares Core International Aggregate Bon
international bond market
index fund, such
as the iShares Core
International Aggregate Bon
International Aggregate Bond ETF (IAGG).
The Global Economic Policy Uncertainty (EPU)
Index is calculated as the GDP - weighted average of monthly EPU index values for the U.S., Canada, Brazil, Chile, the U.K., Germany, Italy, Spain, France, the Netherlands, Russia, India, China, South Korea, Japan, Ireland and Australia, using GDP data from the International Monetary Fund's (IMF) World Economic Outlook Data
Index is calculated
as the GDP - weighted average of monthly EPU
index values for the U.S., Canada, Brazil, Chile, the U.K., Germany, Italy, Spain, France, the Netherlands, Russia, India, China, South Korea, Japan, Ireland and Australia, using GDP data from the International Monetary Fund's (IMF) World Economic Outlook Data
index values for the U.S., Canada, Brazil, Chile, the U.K., Germany, Italy, Spain, France, the Netherlands, Russia, India, China, South Korea, Japan, Ireland and Australia, using GDP data from the
International Monetary
Fund's (IMF) World Economic Outlook Database.
Similarly, the
fund's
international allocations posted gains but didn't keep pace with the broader stock
indices due to our focus on market segments that we see
as having lower risk.
As you invest more, you can think about branching out to smaller or more specialized sectors of the market or
funds that track
international indexes.
Investors may want to think about taking a percentage of their U.S. core bond
fund exposure and allocating it to a hedged
international bond market index fund, such as the iShares Core International Aggregate Bon
international bond market
index fund, such
as the iShares Core
International Aggregate Bon
International Aggregate Bond ETF (IAGG).
These
funds seek to track the performance of well - known
international equity
indexes, such
as the FTSE Emerging
Index or the MSCI EAFE
Index.
*
As of March 31, 2018, Bunge Ltd., Archer Daniels Midland, Unilever NV, Unilever PLC, and McDonald's Corporation comprised 0.00 %, 0.10 % and 0.00 %; 0.00 %, 0.23 % and 0.00 %; 1.59 %, 0.00 % and 2.37 %; 0.00 %, 0.00 % and 1.80 %; and 0.00 %, 1.20 % and 0.00 % of the Green Century Balanced
Fund, the Green Century Equity
Fund, and the Green Century MSCI
International Index Fund respectively.
*
As of March 31, 2018, Starbucks Corporation, Kellogg Company, and Bunge Limited comprised 2.03 %, 0.79 % and 0.00 %; 0.00 %, 0.16 %, and 0.00 %; and 0.00 %, 0.10 %, and 0.00 % of the Green Century Balanced
Fund, the Green Century Equity
Fund, and the Green Century MSCI
International Index Fund, respectively.
One candidate explanation would be to weigh heavily higher growth
funds that lacked a passive
index counterpart, such
as Vanguard Capital Opportunity,
International Explorer, and Primecap.
Selecting a few
index funds covering all of the major asset classes (domestic and
international stock, risky bonds, savings, maybe inflation protection) is
as good
as you can generally do.
But
as a long - term strategy, I believe Canadian investors should use unhedged
index funds for their U.S. and
international equities.
As I've mentioned before, I use the simple 3
fund plan of US Domestic Stock — 500 Index Fund (VFINX), International Index Fund (FSIVX), and Total Bond Market (VBMFX) for my retirement accou
fund plan of US Domestic Stock — 500
Index Fund (VFINX), International Index Fund (FSIVX), and Total Bond Market (VBMFX) for my retirement accou
Fund (VFINX),
International Index Fund (FSIVX), and Total Bond Market (VBMFX) for my retirement accou
Fund (FSIVX), and Total Bond Market (VBMFX) for my retirement accounts.
As I've mentioned before, I use the simple 3
fund plan of US Domestic Stock — 500 Index Fund (VFINX), International -LSB-
fund plan of US Domestic Stock — 500
Index Fund (VFINX), International -LSB-
Fund (VFINX),
International -LSB-...]
AADR can serve
as an alpha - seeking complement to a broad - based market cap weighted position, such
as a
fund that tracks the MSCI EAFE
Index,
as well
as a standalone investment solution for
international equity exposure.
By throwing a total
international stock
index fund into the mix, you can dampen the ups and downs of the stock portion of your portfolio,
as the shares of some countries may be rising while those of other countries are falling.
International exchange traded
funds (ETFs) are set up to mirror the performance of a stock market
index or sub-
index, which may cover stocks in one country, such
as Korea, Chile or Brazil, or those in across an entire region such
as Europe or Asia Pacific.
I've commented here a few times that I have a good portion of my assets in
index funds of various kinds (US stocks,
international stocks, etc.) Today I would like to give the reasons I have used
index funds as my primary investment vehicle for the past 15 years or so.
The Green Century
International Index Fund commenced operations on September 30, 2016; its proxy voting record for the year ending June 30, 2017 will be available
as of the end of August 2017.
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.
Some people like to get fancy and buy
international index funds, which can do well when the US is hurting (
as it has been recently).
If you measure your returns in Canadian dollar terms (
as you should), your holding in EFA would have performed very similarly to the TD
International Index Fund.
UESP will add the Vanguard Total
International Bond
Index Fund to the Age - Based Aggressive Global, Age - Based Moderate, and Age - Based Conservative investment options
as an underlying investment.
Not surprisingly,
international equity has been one of the more popular ETF categories over the first six months
as some investors sought potential opportunities in
funds like iShares Core MSCI EAFE IMI
Index ETF (XEF), which attracted inflows of $ 72.9 million this year through June, according to BlackRock's Follow the Flow data.
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.
Quick example: managers of actively managed
funds investing in
international stocks will use the EAFE
index as their measuring stick and try to beat it.
Today, we have more than 60 unique
funds that track
indexes across the bond and stock markets, both U.S. and
international,
as well
as sector - specific areas of the markets.
As I go through each of the four points, I'll contrast the argument with the success of my son's «second grader» portfolio which consists of three
index funds - a total US stock, a total
international, and a total bond.
Because of their variety, it is not
as easy to generalize about screening
international and global
index funds.
The total annual
fund operating expense ratios of the Green Century MSCI International Index Fund, the Green Century Equity Fund and the Green Century Balanced Fund, respectively, are 0.98 % and 1.28 % (Institutional Share Class and Individual Investor Share Class), 1.25 % (Individual Investor Share Class) and 1.48 % (Individual Investor Share Class), as of the most recent prospec
fund operating expense ratios of the Green Century MSCI
International Index Fund, the Green Century Equity Fund and the Green Century Balanced Fund, respectively, are 0.98 % and 1.28 % (Institutional Share Class and Individual Investor Share Class), 1.25 % (Individual Investor Share Class) and 1.48 % (Individual Investor Share Class), as of the most recent prospec
Fund, the Green Century Equity
Fund and the Green Century Balanced Fund, respectively, are 0.98 % and 1.28 % (Institutional Share Class and Individual Investor Share Class), 1.25 % (Individual Investor Share Class) and 1.48 % (Individual Investor Share Class), as of the most recent prospec
Fund and the Green Century Balanced
Fund, respectively, are 0.98 % and 1.28 % (Institutional Share Class and Individual Investor Share Class), 1.25 % (Individual Investor Share Class) and 1.48 % (Individual Investor Share Class), as of the most recent prospec
Fund, respectively, are 0.98 % and 1.28 % (Institutional Share Class and Individual Investor Share Class), 1.25 % (Individual Investor Share Class) and 1.48 % (Individual Investor Share Class),
as of the most recent prospectus.
At Kotak Securities, we offer you access to trade in gold,
index, sector - specific
as well
as international Exchange - Traded
Funds.
(
As of 3/31/18)-- For the 1st quarter of 2018, the Buffalo
International Fund produced a return of +1.21 %, outperforming the Russell Global ex-U.S.
Index by over 2.0 %.
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.
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