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Started By
Message
re: Vanguard Roth IRA- STAR or Target Retirement
Posted on 11/5/13 at 2:14 pm to YankeeDoodle
Posted on 11/5/13 at 2:14 pm to YankeeDoodle
Hold old are you?
FWIW, I would start off in a STAR just to get your feet off the ground and start getting time in market.
Then when you have enough, buy into something like VHCOX or VSEQX
Continue contributing at a 30/70 or so into STAR/equity fund.
Then forget it.
IDK....you wouldn't be wrong setting and forgetting STAR....but I just wouldn't like the idea of being that highly invested in bonds for retirement goals.
FWIW, I only use STAR in my account for money I might pull out...emergency fund, down payment of my house, etc.
My retirement contributions are separate and in addition to whatever I put into the STAR, thus allowing me to use the tax advantaged status for day to day purchases without stealing from my retirement.
I do however use a Vanguard Target Retirement for my Roth 401k contributions though, simply because it is the best option offered.
FWIW, I would start off in a STAR just to get your feet off the ground and start getting time in market.
Then when you have enough, buy into something like VHCOX or VSEQX
Continue contributing at a 30/70 or so into STAR/equity fund.
Then forget it.
IDK....you wouldn't be wrong setting and forgetting STAR....but I just wouldn't like the idea of being that highly invested in bonds for retirement goals.
FWIW, I only use STAR in my account for money I might pull out...emergency fund, down payment of my house, etc.
My retirement contributions are separate and in addition to whatever I put into the STAR, thus allowing me to use the tax advantaged status for day to day purchases without stealing from my retirement.
I do however use a Vanguard Target Retirement for my Roth 401k contributions though, simply because it is the best option offered.
1
Posted on 11/5/13 at 2:47 pm to Volvagia
quote:
Hold old are you?
25 years old. I already have a retirement set up through work (government job so solid retirement) but figured I might as well do more with the added benefits of a Roth.
I guess one of my concerns is if this is something that is easily manageable on my own or if I should just go through some sort of financial adviser. From the research I have done, it seems like a simple roth is something an amateur like me should have no problem with managing.
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