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re: Company sponsored Vanguard 401(k) plan question...

Posted on 7/18/13 at 1:18 pm to
Posted by Teddy Ruxpin
Member since Oct 2006
39602 posts
Posted on 7/18/13 at 1:18 pm to
quote:

Some folks here might argue that they don't do a good job adjusting your risk as you get closer to retirement, but I feel like I have plenty of time to educate myself so I can do the steering one day.


Ya, if you don't like the stock/bond mix in say, your 2050 plan, you could always just move into the 2045 or 2040 plan which would be heavier in bonds than the 2050 plan. Just because you want to retire in 2050 doesn't mean you have to buy that one.

That's if you want to stay in one of these targeted retirement funds at all.
Posted by jimbeam
University of LSU
Member since Oct 2011
75703 posts
Posted on 7/18/13 at 1:19 pm to
quote:

Ya, if you don't like the stock/bond mix in say, your 2050 plan, you could always just move into the 2045 or 2040 plan which would be heavier in bonds than the 2050 plan. Just because you want to retire in 2050 doesn't mean you have to buy that one.
exactly. if you're in the 2060 plan right now, just say, you could in 10 years just transfer it to the 2070 plan if you liked the future allocation better. or move it to 2050 whatever.
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