Thoughts on XBAL for retirement

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Hi Dan, I’d love to hear your thoughts on putting a large portion of my funds in an all-in-one such as XBAL. Seems like a a good choice for relatively low risk and overall convenient way to diversify. Are there similar, but better performing etfs I should consider?
Thank you!

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Asked on June 17, 2024 11:57 am
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Private answer

XBAL is a great way for investors to get exposure to the 60/40 equity and bond portfolio. Prior to these all in one ETFs people would have had to go out and make up their own 60/40, now it can be achieved with a single click.

The bulk of the bond makeup of the portfolio is also on the intermediate to long term end which should (not guaranteed, but should) result in capital appreciation of the bond end of the portfolio if interest rates continue to decline.

In terms of similar ETFs, there is VBAL and ZBAL. The performance of all of these funds has been relatively the same, talking maybe 0.3%~ annualized return difference since their inceptions.

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Posted by Dan Kent
Answered on June 18, 2024 8:15 am
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