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re: Roth IRA
Posted on 1/19/22 at 9:39 am to HeartAttackTiger
Posted on 1/19/22 at 9:39 am to HeartAttackTiger
I've got another Roth IRA question...again instead of starting a new thread.
I've just about completed my first year of contributing max to a Roth, nearly $6,000. I've currently got 100% of this through Vanguard in the VTI total stock market ETF by some recommendations on here of starting there with a low balance. At what point would ya'll recommend diversifying that into multiple ETFs?
I've just about completed my first year of contributing max to a Roth, nearly $6,000. I've currently got 100% of this through Vanguard in the VTI total stock market ETF by some recommendations on here of starting there with a low balance. At what point would ya'll recommend diversifying that into multiple ETFs?
1
Posted on 1/19/22 at 12:38 pm to Mark Makers
I think this depends on your age and risk tolerance. The general consensus is to increase the amount of bonds in your portfolio as you get closer to retirement. I would recommend some international exposure regardless of age. Google Vanguard 4 Fund Portfolio. I’m in my mid-30s and my portfolio looks something like this:
60% VTI US Stocks
20% VXUS International Stocks
15% BND US Bonds
5% BNDX International Bonds
You could gradually increase your international exposure by buying VT (combination of US and International stocks) instead of VTI periodically. Keep maxing out that Roth. You’ll be happy you did.
60% VTI US Stocks
20% VXUS International Stocks
15% BND US Bonds
5% BNDX International Bonds
You could gradually increase your international exposure by buying VT (combination of US and International stocks) instead of VTI periodically. Keep maxing out that Roth. You’ll be happy you did.
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