Episode 271: Fun With Funds From ITOT To TSP-F To VCSAX

<p>In this episode we answer questions from Pedro, Graham and Nathan.  We discuss creating a Golden Ratio portfolio out of ITOT and other things, what to do about bond fund choices in a TSP and the ins and outs of the VCSAX Consumer Staples Fund.<br/><br/>Links:<br/><br/>Father McKenna Center Donation Page:  <a href='https://fathermckennacenter.org/how-you-can-help/donate/'>Donate - Father McKenna Center</a><br/><br/>TSP F Fund Page:  <a href='https://www.tsp.gov/funds-individual/f-fund/'>F Fund | The Thrift Savings Plan (TSP)</a><br/><br/>ITOT Analysis:  <a href='https://www.morningstar.com/etfs/arcx/itot/portfolio'>ITOT – Portfolio – iShares Core S&amp;P Total US Stock Mkt ETF | Morningstar</a><br/><br/>Optimal Finance Daily Podcast:  <a href='https://oldpodcast.com/optimal-finance-daily-podcast/'>Optimal Finance Daily - Personal Finance Podcast (oldpodcast.com)</a><br/><br/>Diania Merriam Interview:  <a href='https://abcnews.go.com/GMA/Living/video/1-woman-debt-retiring-5-years-100267827?fbclid=IwAR1LBR9GRjSY3KRNPrEIQtLN8QC3tcYlrdO3SYRlOpLKiQRBaEDTZ-Kko4M'>Video How 1 woman went from having debt to retiring in 5 years - ABC News (go.com)</a><br/><br/>VCSAX Analysis:  <a href='https://www.morningstar.com/funds/xnas/vcsax/portfolio'>VCSAX – Portfolio – Vanguard Consumer Staples Index Admiral | Morningstar</a><br/><br/>Portfolio Visualizer Analysis of  Consumer Staples Fund vs. 80/20 vs. 50/50:  <a href='https://www.portfoliovisualizer.com/backtest-portfolio?s=y&amp;timePeriod=2&amp;startYear=1985&amp;firstMonth=1&amp;endYear=2023&amp;lastMonth=12&amp;calendarAligned=true&amp;includeYTD=false&amp;initialAmount=10000&amp;annualOperation=0&amp;annualAdjustment=0&amp;inflationAdjusted=true&amp;annualPercentage=0.0&amp;frequency=4&amp;rebalanceType=1&amp;absoluteDeviation=5.0&amp;relativeDeviation=25.0&amp;leverageType=0&amp;leverageRatio=0.0&amp;debtAmount=0&amp;debtInterest=0.0&amp;maintenanceMargin=25.0&amp;leveragedBenchmark=false&amp;reinvestDividends=true&amp;showYield=false&amp;showFactors=false&amp;factorMode