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October, 2025: 4
Disclaimer - IMPORTANT - Read this first!
| Investor's Journal is a diary focused strictly on investments and personal finance issues, primarily from a contrarian and retiree point of view. Follow along with an average guy's failures and successes as he learns, by trial and error, the fine art of value investing. |
10/4/25- Have experimented with backtesting of different exchange traded fund (ETF) combinations to use as investment alternatives for S&P 500 Index ETFs alone. I think the latter are overvalued (the recent trailing S&P 500 Index P/E being about 30, compared with an average P/E for this index of around 16). Others may find different choices appropriate, but at this point I particularly like a 50/50 ratio of Vanguard Total International Stock Index Fund (VXUS) and Vanguard Small-Cap Value Index Fund (VBR). Personally, it seems they offer better risk-adjusted returns and/or are likely to offset losses or low, single-digit returns that could occur for quite awhile from putting money into the major large-cap U.S. markets.
My wife's and my total liquid assets now stand at $2,415,523, up $17,704 or 0.74% from their level as noted last month. Our nest egg of all holdings (including real estate) is presently worth $2,975,480.
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Neither I nor Investor's Journal will be responsible for losses by anyone who obtained ideas from this site.
This diary is intended for personal interest and general information only. You are advised to do your own research (as well as to consult highly compensated professionals) before spending money on anything.
I know of no reason anyone should take my financial musings seriously. At best I am a dedicated amateur providing a bit of investment-related insight and entertainment, at worst an amusing diversion.
My wife, Fran, and I may at times own shares of some of the assets mentioned here. But neither of us receive any benefit from reference to them, unless you count the mutual misery when we get it wrong, or the opportunity to gloat when we get it right.