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ANOTHER Vanguard IRA Question
Posted on 7/14/15 at 8:14 pm
Posted on 7/14/15 at 8:14 pm
This board seems to be nothing but Vanguard today. I am moving my Roth IRA from Chase (ONGAX fund, high expenses) to Vanguard per the suggestion of many on this board and a friend. The Roth IRA currently has just under 20k in it and when I move it I was going to dump $5500 in for 2015 as well. I am 30 years old, married, 1 child under a year old, homeowner, income ranging from 150-175k/year. Will have about 25k total in the Roth IRA once I contribute for 2015. Also have a 401k through salaried job that matches 4% of 75k and I am contributing up to the 4% through that.
I did Vanguard's online "get a recommendation" section and I got this answer:
60% $15,000.00 Vanguard Total Stock Market Index Fund Investor Shares (VTSMX)
40% $10,000.00 Vanguard Total International Stock Index Fund Investor Shares (VGTSX)
What do you guys think of this allocation? Fairly new to investing but have been trying to really get it rolling here now that I am established in career and have the funds to start getting a little more aggressive with it. Thanks in advance.
I did Vanguard's online "get a recommendation" section and I got this answer:
60% $15,000.00 Vanguard Total Stock Market Index Fund Investor Shares (VTSMX)
40% $10,000.00 Vanguard Total International Stock Index Fund Investor Shares (VGTSX)
What do you guys think of this allocation? Fairly new to investing but have been trying to really get it rolling here now that I am established in career and have the funds to start getting a little more aggressive with it. Thanks in advance.
Posted on 7/14/15 at 8:19 pm to Saint5446
Looks good. Open up a Roth for your wife too while you're at it.
Posted on 7/14/15 at 8:21 pm to Sigma
Thanks. That is the plan. We need a vanguard board.
Posted on 7/14/15 at 8:57 pm to Saint5446
quote:
am 30 years old, married, 1 child under a year old, homeowner, income ranging from 150-175k/year
Damn son. Doing work
Posted on 7/14/15 at 9:02 pm to Saint5446
Go for Admiral shares since >$10k
Posted on 7/14/15 at 9:19 pm to DawgCountry
Appreciate that. Has been extremely hard work to get here but it's beginning to pay off.
Posted on 7/15/15 at 9:40 pm to The Easter Bunny
What are admiral shares vs regular shares? Lower fees/costs?
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