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Vanguard holding account
Posted on 3/15/17 at 7:39 am
Posted on 3/15/17 at 7:39 am
So I funded my roth for 16 and 17 and am going to move $900.00/ month to the wellington fund to avoid putting it all in at once. Knowing that this will take roughly a year would you park your funds in a bond fund instead of the holding account?
2
Posted on 3/15/17 at 10:13 am to bobaftt1212
I would stick a 60% in the total stock market fund, 20% in the REIT and 20% in the total bond and call it a day.
Posted on 3/15/17 at 11:09 am to bobaftt1212
Excuse my ignorance but why do you avoid putting it in all at once?
Posted on 3/15/17 at 11:46 am to OysterPoBoy
quote:
Excuse my ignorance but why do you avoid putting it in all at once?
I assume he is trying to dollar cost average vs Lump sum. Just about every thing I've researched has shown that lump sum has marginally been better than DCA over the very long term.
To be fair there is research that shows DCA is better than lump sum as well.
Posted on 3/15/17 at 3:11 pm to tigersnipen
To prevent timing the market poorly. This is my contributions and my wife's contributions to our roth. I'd hate to drop 22k into the market at historic highs and screw myself if the market dips/corrects in the next year.
Posted on 3/15/17 at 8:09 pm to tigersnipen
quote:
I assume he is trying to dollar cost average vs Lump sum. Just about every thing I've researched has shown that lump sum has marginally been better than DCA over the very long term.
To be fair there is research that shows DCA is better than lump sum as well.
This is because OP is decreasing his "time in the market". If you want to effectively DCA, contribute weekly in the current year instead of being a year behind and then trying to DCA, but also having the urge to time the maket too.
Put it on autopilot and forget about it.
Posted on 3/16/17 at 9:58 am to TigerDeBaiter
I learned my lesson and caught up. I am going to move the money from my holding account into the wellington fund each month around the 15th. I just want thoughts on a better place to hold it than the standard holding account to get me through 2017.
Posted on 3/16/17 at 3:03 pm to bobaftt1212
So here's an idea that will take a little bit of effort. You could DCA into a similar ETF until enough of a position has been established to swap it into a fund.
Could end up better, or worse, or the same. In the scheme of things it's pretty insignificant, but kudos to you for thinking it through.
As far as buying on the 15th of the month, have you considered the weekly option? It comes out to $105 and change a week. It's been a great way to do it for the wife and I.
Could end up better, or worse, or the same. In the scheme of things it's pretty insignificant, but kudos to you for thinking it through.
As far as buying on the 15th of the month, have you considered the weekly option? It comes out to $105 and change a week. It's been a great way to do it for the wife and I.
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