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question regarding target date retirement fund
Posted on 7/21/14 at 7:24 am
Posted on 7/21/14 at 7:24 am
This may be a dumb question so I apologize in advance 
If I currently hold a vanguard target retirement date fund in a roth ira, should I just max out my roth contribution with that?
I was debating going with more funds of total bond, total stock, and maybe total international
If I do that, then should any of those go into my roth, therefore lowering my contribution to my target date? Or just keep them in a taxable and contribute as I can after maxing roth?
If I currently hold a vanguard target retirement date fund in a roth ira, should I just max out my roth contribution with that?
I was debating going with more funds of total bond, total stock, and maybe total international
If I do that, then should any of those go into my roth, therefore lowering my contribution to my target date? Or just keep them in a taxable and contribute as I can after maxing roth?
3
Posted on 7/21/14 at 7:35 am to HailToTheChiz
Vanguard's target date funds are a fund of funds. They hold total stock, total international stock, total bond, and total international bond. The percentages shift toward the bond funds the closer you get to the retirement date.
Vanguard Target Retirement 2050
So to answer your question, no, the fund already does that for you. Just put it all in there.
Yes.
Vanguard Target Retirement 2050
So to answer your question, no, the fund already does that for you. Just put it all in there.
quote:
Or just keep them in a taxable and contribute as I can after maxing roth?
Yes.
Posted on 7/21/14 at 8:38 am to HailToTheChiz
I'm not sure what you are asking, but the target date funds are meant to be a single solution. They are made up of a bunch of underlying funds. In theory, you can put all your money in that one fund, and that fund diversifies itself via investing in other funds.
Posted on 7/21/14 at 9:21 am to HailToTheChiz
Until you have enough capital to mimic the target date fund with admiral shares, stay where you are.
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