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Financial Planning Mailbag

July 17, 2018 By Jon Luskin 2 Comments

You can hear all sorts of great financial planning questions answered on this week’s Stay Wealth San Diego podcast.

Reader Interactions

Comments

  1. Loren D Mauerhan says

    October 19, 2021 at

    Hi Jon
    My Question is why you dont promote the Vanguard total bond fund.
    You seen to be Vanguard fan and a fan of a three fund portfolio including the total stock market fund and the total international fund. Why not the total bond fund

    Reply
    • Jon Luskin says

      October 20, 2021 at

      Hello Loren,

      Thanks for your question. I’ve written about bonds in a few posts:

      https://jonluskin.com/why-invest-in-bonds/
      https://jonluskin.com/credit-risk-for-interest-rate-risk/
      https://jonluskin.com/are-long-term-treasury-bonds-worth-holding-ii/
      https://jonluskin.com/are-long-term-treasury-bonds-worth-holding/
      https://jonluskin.com/looking-everything-high-yield-bonds-garbage-asset-class/
      https://jonluskin.com/cliff-notes-corporate-debt-vs-u-s-government-bonds/

      TL;DR – Treasuries do better during stock market panics – making them a better portfolio diversifier, resulting a better total portfolio risk-adjusted return when holding Treasuries compared to lower-quality bonds.

      Swensen does a great job explaining the shortcomings of bonds that aren’t Treasuries. You can read his book here:

      https://www.amazon.com/Unconventional-Success-Fundamental-Approach-Investment/dp/0743228383

      I hope that helps. 🙂

      Reply

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Hourly Advice for Do-It-Yourself Investors. '@Bogleheads® Live' host. Advice-Only #CFP®. #fiduciary. @SDFLC volunteer. Tweets ≠ Advice. https://t.co/GJqMxem3Cr

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jonluskin Jon Luskin, CFP® @jonluskin ·
10 Feb

How to Buy Life #Insurance: Laddering Life Insurance Policies

Instead of buying a single life insurance policy with a term similar to the balance of your working career and the total coverage needed were you to die tomorrow, you could consider laddering policies.

1/n

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bogleheads John C Bogle Center for Financial Literacy @bogleheads ·
10 Feb

Mark your calendars for Thursday, 12:00 p.m. Pacific / 3:00 p.m. Eastern.

Will be answering your questions about the critical insurance coverage that is disability #insurance.

Set a reminder for my upcoming Space! https://twitter.com/i/spaces/1OyKAVAlnXqGb

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jonluskin Jon Luskin, CFP® @jonluskin ·
10 Feb

It’s hard to make a case for any life #insurance that isn’t term life insurance.

Said differently:

Generally, run screaming from whole life, universal life, indexed universal life (IUL), variable life, variable universal life, or anything not term life insurance.

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