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iShares Russell Top 200 Growth ETF (IWY) - One of best passive index ETF for large cap growth

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iShares Russell Top Growth ETF (IWY) is one of the best passive index ETFs for large cap growth asset class. It's quite inexpensive with expense ratio of just 0.20%. It has outperformed it's category by almost 25% for last 3,5,10 years period: Source: Morningstar Performance tab It's holdings are 12% cheaper (PE of 30 vs 34) than broad large cap growth index. It's projected long term earnings growth of 17% is quite comparable to that of it's index.  It's standard deviation of 18% is same as that of Total Stock index, even though it has outperformed   Vanguard Total Stock index by 50% in last 3,5 years period. Note that, as long term investor, my advice is to mostly stick with style-neutral broad market index. Styles come and go and those chasing today's hot style are mostly too late in the style game and eventually tend to lag.  As such, we can go for Large Growth factor bias for small portion of portfolio. My suggestion would be to go s...
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Invesco QQQ Trust ETF (QQQ) - Why this ETF is not that great due to it's NASDAQ exchange biase

I don't like this concept of exchange biased *NASDAQ 100* index which Invesco QQQ Trust ETF (QQQ) follows. It does not make any sense to just *favor* one exchange over other. There are better *large cap growth* options (such as IWY) which don't have such weird bias. QQQ has enjoyed great ride of technology sector revolution of last 15 years. However, technology sector *lagged* quite a bit during previous decade of dot com bust. Having better *diversified* (without any *exchange bias* ) large cap growth fund, such as IWY, is perhaps safer bet.
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How much one needs to save in retirement portfolio to retire comfortably in early sixties age

Wondering as how much one needs to save in retirement portfolio to retire comfortably starting with one's early sixties (say at 62 age) for next 25-30 years of joint longevity and be lucky enough to survive  extreme uncertain period such as 2000-2010 lost decade (with two major crashes resulting in virtually zero compounding )?  Needless to say, it all depends on household's ongoing expenses during retirement.  If one retires at 62, one can collect reduced social security pension (say 75% of full 67 age benefit). Non-working spouse can also collect half amount as spousal benefit at 62. Combined household reduced  benefit could be around 25K to 30K a year for professional workers like us. If household's annual expenses, including medicare/affordable-care health insurance co-premiums/copays (typically 5-6K annually for retired household for routine care) are in 60K range, then perhaps one needs additional income of 30K to 35K beyond social security pension. If one ha...
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