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re: I just opened my Vanguard Roth IRA account

Posted on 8/24/17 at 4:18 pm to
Posted by Mikey P
Gulfport, MS
Member since May 2017
533 posts
Posted on 8/24/17 at 4:18 pm to
I went with the suggestions in this article

LINK

I didn't use the bond fund. Instead I added an extra 5% to each of the other funds.

Its been doing well. The mid and small caps have been lagging. russell 2000 has been down recently
This post was edited on 8/24/17 at 4:19 pm
Posted by meeple
Carcassonne
Member since May 2011
9460 posts
Posted on 8/24/17 at 4:48 pm to
quote:

I didn't use the bond fund. Instead I added an extra 5% to each of the other funds.

How far away from retirement are you?

And these are ETFs. If the thinking is to set it and forget it, why ETFs and not index funds?
Posted by Oenophile Brah
The Edge of Sanity
Member since Jan 2013
7544 posts
Posted on 8/25/17 at 1:36 pm to
quote:

I went with the suggestions in this article

That article lists a solid diverse portfolio, but it doesn't come close to the 30/70 risk threshold you mentioned. In fact, if you dropped the listed bond fund, you may be 100% in stocks. That may be fine for you, but be prepared for some potential volatility with stocks at all-time highs.

You seem like you have time before you need any of this money so that is good.
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