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Target Date Retirement Funds
Posted on 6/6/17 at 12:20 pm
Posted on 6/6/17 at 12:20 pm
Wife and I just turned 50 with no recurring debt. Got about $650k in various investments (mixture of individual stocks, etfs and mutual funds). Thinking about consolidating some/most into target date retirement funds such as VTHRX.
Thoughts/advice?
Thoughts/advice?
8
Posted on 6/6/17 at 12:38 pm to purpngold
I believe target dates make sense for people who don't like to overthink retirement planning.
If you haven't already I would consider talking to a fee only financial advisor to assess your overall plan/goals as retirement is not to far off for you.
If you haven't already I would consider talking to a fee only financial advisor to assess your overall plan/goals as retirement is not to far off for you.
Posted on 6/6/17 at 12:59 pm to purpngold
Given your age it will probably put a large amount into bonds
Posted on 6/6/17 at 1:09 pm to leoj
quote:
Given your age it will probably put a large amount into bonds
The 2030 fund invests in 4 Vanguard index funds, holding approximately 75% of assets in stocks and 25% in bonds.
Posted on 6/6/17 at 1:30 pm to purpngold
Look at what the fund invests in and at what %. Go invest in those funds directly and save money.
I would say evaluate annually, but you'd probably be fine to do so every 3-5 years. Slowly move more into bonds and out of equities each time.
I would say evaluate annually, but you'd probably be fine to do so every 3-5 years. Slowly move more into bonds and out of equities each time.
Posted on 6/6/17 at 1:50 pm to purpngold
quote:
Thoughts/advice?
these funds are great if you want a low effort way to invest. They typically have higher fees but vanguard fees are pretty low overall.
Posted on 6/6/17 at 7:19 pm to purpngold
Why not just an index fund?
Posted on 6/6/17 at 7:34 pm to Libertariantiger
I just started to contribute to retirement fund. Target date to retire is 2055. Instead of choosing that I split my funds up as follows. Any advice?
Vanguard Value Index ADM 24.99%
Vanguard 500 Index Admiral 24.06%
DFA US Vector Equity I 13.97%
Vanguard Small Cap Value Index Admiral 13.94%
DFA Global Equity I 13.02%
Vanguard Vif High Yield Bond 10.02%
Vanguard Value Index ADM 24.99%
Vanguard 500 Index Admiral 24.06%
DFA US Vector Equity I 13.97%
Vanguard Small Cap Value Index Admiral 13.94%
DFA Global Equity I 13.02%
Vanguard Vif High Yield Bond 10.02%
Posted on 6/6/17 at 8:01 pm to blades8088
What are you asking? If that's a good mix or not?
30-35%Foreign stocks is recommended.
50-60% spread across US equities (small, mid, large cap)
No more than 10% in bonds
30-35%Foreign stocks is recommended.
50-60% spread across US equities (small, mid, large cap)
No more than 10% in bonds
Posted on 6/6/17 at 8:05 pm to purpngold
Purpngold: I really don't think that just 25% in bonds is terrible at 50. You're certainly young enough to weather another storm. Maybe two, if you've got the nerves.
If you're not comfortable with just 1/4 in bonds, do the easy thing.
1/3 Total US stock fund
1/3 Global stock fund
1/3 US bond fund
All can be found on Vanguard. Rebalance as needed.
If you're not comfortable with just 1/4 in bonds, do the easy thing.
1/3 Total US stock fund
1/3 Global stock fund
1/3 US bond fund
All can be found on Vanguard. Rebalance as needed.
Posted on 6/6/17 at 8:07 pm to bayoubengals88
I'm going to piggyback off of this thread so I don't have to start my own. I'm 23 and want to start investing with a Roth. Should I use a target date fund through Vanguard? If not, can someone link some resources for me to look at to decide which funds to include?
This post was edited on 6/6/17 at 8:11 pm
Posted on 6/6/17 at 8:22 pm to Ingeniero
I'm a vanguard guy through and through but based on the last Charles Schwab commercial I saw...I'd start there.
Lower fees and NO minimums. That's called competition.
Lower fees and NO minimums. That's called competition.
Posted on 6/6/17 at 8:25 pm to Ingeniero
I'm in a talkative mood this summer, and you're where I was five years ago.
bayoubengals1988@gmail.com if you'd like some back and forth.
That goes for anyone
bayoubengals1988@gmail.com if you'd like some back and forth.
That goes for anyone
This post was edited on 6/6/17 at 8:26 pm
Posted on 6/6/17 at 8:39 pm to bayoubengals88
Thanks. I'll be in touch before I put money somewhere
Posted on 6/7/17 at 6:10 am to purpngold
I'm in the 2035 fund. Been happy with it and rebalances every year and the costs are really low (.15) per year. The Target dates only pay dividends 1per year which usually falls in late December.
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