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Message
Vanguard Roth allocations
Posted on 4/15/15 at 12:48 pm
Posted on 4/15/15 at 12:48 pm
I just opened one with 5500 as last years contribution. I just finally have enough extra cash to start this now. I will be adding to it at a rate to get me 5500 more by the years end. This will be a supplemental to my current jobs plan.
Target retirement date is 2033. So should I go with one of their retirement target date funds or put it in some other fund(s).
Target retirement date is 2033. So should I go with one of their retirement target date funds or put it in some other fund(s).
4
Posted on 4/15/15 at 12:52 pm to Smirkeaux
If you don't want to ever think about it, it's a good option. Just pick a retirement date that has the allocation and glide path you are comfortable with.
Posted on 4/15/15 at 12:55 pm to Smirkeaux
I'm in the 2045 Retirement Target Fund
...2045....goddamn that's depressing
...2045....goddamn that's depressing
Posted on 4/15/15 at 12:55 pm to Salmon
2060. •_•
Posted on 4/15/15 at 1:30 pm to Smirkeaux
Target funds usually have higher costs than standard mutual funds. They should have a mutual fund picker that allows you to select some no-fee funds to purchase. I would recommend at least going through that process.
Posted on 4/15/15 at 1:48 pm to jimbeam
2035. Not bad at all.
The REIT and healthcare fund have been great for me.
The REIT and healthcare fund have been great for me.
Posted on 4/15/15 at 2:07 pm to Fat Bastard
Get the large, mid, and small cap growth index funds
Cheap and effective
Cheap and effective
Posted on 4/15/15 at 2:08 pm to white perch
Unless you want some bond exposure, which the TR funds provide.
Posted on 4/15/15 at 2:47 pm to Sigma
quote:
Target retirement date is 2033
Missed this part. Yea, you'll want some bonds in there too.
Look at the life strategy funds or the star fund
Posted on 4/15/15 at 3:13 pm to Smirkeaux
Vanguards target date funds are already appropriately diversified for you depending on your approximate age. They include bond funds already.
Also, their target date funds are very, very cheap. Mine costs 0.18% each year.
Also, their target date funds are very, very cheap. Mine costs 0.18% each year.
Posted on 4/15/15 at 3:49 pm to seawolf06
quote:
Target funds usually have higher costs than standard mutual funds.
.18 for target funds is higher then the admiral shares of a few mutual funds, but that's still pretty damn cheap.
Posted on 4/16/15 at 11:11 am to Oenophile Brah
quote:
.18 for target funds is higher then the admiral shares of a few mutual funds, but that's still pretty damn cheap.
Agreed.
Actually, looking at Fidelity funds, the expense ratios are very close to all of my other mutual funds. The returns, however, are significantly lower.
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