Today on Your Money, Your Wealth, Joe Anderson CFP and Big Al-Clopine CPA, answer your questions on the 4% rule for retirement withdrawals.

What to do before and after age 59 and a half?

Whether to invest in the Roth or traditional thrift savings plan, and of course, their specialty, answering your Roth conversion questions. But first,

the fellas answer a question from Joe's very good friend, Mike, about VTSAX, the Vanguard Total

Stock Market Index Fund. It comes very highly recommended by some investing gurus, so why shouldn't

all of your money be in it? I'm producer Andy Last, and if you have a money question or comment, visit Your Money, Your Wealth.com.

Scroll down and click Ask Joe and Al on air to send it in as an email or as a voice message, just like Mike did.

Hey, Joe, Big Al.

Hey, huge fan of the show.

I'm stationed overseas in the Navy here and always enjoy listening to your podcast.

So I just finished reading The Simple Path to Wealth by J.L. Collins. In summary, Mr. Collins is a huge advocate of Vanguard funds because of the extremely low expense ratios.

Specifically, recommends putting

all your holdings in the Vanguard Total Stock Market Index Fund, which is comprised in nearly

3,700 U.S. domestic companies while you're in your wealth accumulation phase. The fund

has an expense ratio of .04, so that's 400 bucks per $100,000 invested.

And it's averaged about 11.9% return over the last 40 years from 1975 to 2015.

And of course, that doesn't include the last four years of these incredible gains in the market.

And I know past performance doesn't

guarantee future returns. But when I look at our portfolio with my current financial advisor,

we have over a dozen different mutual funds and ETFs to include 35% international funds,

all with an average expense ratio of about 0.38.

So Mr. Collins doesn't believe in international funds because of added risk and expense.

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