- My Forums
- Tiger Rant
- LSU Recruiting
- SEC Rant
- Saints Talk
- Pelicans Talk
- More Sports Board
- Coaching Changes
- Fantasy Sports
- Golf Board
- Soccer Board
- O-T Lounge
- Tech Board
- Home/Garden Board
- Outdoor Board
- Health/Fitness Board
- Movie/TV Board
- Book Board
- Music Board
- Political Talk
- Money Talk
- Fark Board
- Gaming Board
- Travel Board
- Food/Drink Board
- Ticket Exchange
- TD Help Board
Customize My Forums- View All Forums
- Show Left Links
- Topic Sort Options
- Trending Topics
- Recent Topics
- Active Topics
Started By
Message
Holding Bond Funds at 40 years old
Posted on 4/1/21 at 9:51 am
Posted on 4/1/21 at 9:51 am
Here is our current portfolio:
His Rollover IRA at Vanguard:
4.9% BND Total Bond Market ETF
2.1% BNDX Total Intl Bond Index ETF
20.9% VXUS Total Intl Stock Index Fund ETF
25.7% VTI Total Stock Market ETF
Her Rollover IRA at Vanguard:
28.8% VTI Total Stock Market ETF
Joint Brokerage Taxable Account at Vanguard:
2.0% VXUS Total Intl Stock Index Fund ETF
4.8% VTI Total Stock Market ETF
3.0% AAPL on E*TRADE
4.1% VMFXX (emergency fund)
0.9% VASGX (529 plan)
His HSA:
0.6% mandatory cash balance
1.0% VFIFX
1.0% VGSNX
We just started a 401K at work and I am investing fully in 2065 Blackrock target date retirement fund as it was the best that was available.
My question is, are investors on this board who have a 20+ year time horizon still holding bond funds? I am considering moving some or all the bond funds in my IRA to ARKK, QQQ, or splitting it into My current 70% VTI/ 30% VXUS I’m currently using or a combination or those. I did not ask this question on bogleheads bc I know they would not advise it. Curious to know what this board thinks.
His Rollover IRA at Vanguard:
4.9% BND Total Bond Market ETF
2.1% BNDX Total Intl Bond Index ETF
20.9% VXUS Total Intl Stock Index Fund ETF
25.7% VTI Total Stock Market ETF
Her Rollover IRA at Vanguard:
28.8% VTI Total Stock Market ETF
Joint Brokerage Taxable Account at Vanguard:
2.0% VXUS Total Intl Stock Index Fund ETF
4.8% VTI Total Stock Market ETF
3.0% AAPL on E*TRADE
4.1% VMFXX (emergency fund)
0.9% VASGX (529 plan)
His HSA:
0.6% mandatory cash balance
1.0% VFIFX
1.0% VGSNX
We just started a 401K at work and I am investing fully in 2065 Blackrock target date retirement fund as it was the best that was available.
My question is, are investors on this board who have a 20+ year time horizon still holding bond funds? I am considering moving some or all the bond funds in my IRA to ARKK, QQQ, or splitting it into My current 70% VTI/ 30% VXUS I’m currently using or a combination or those. I did not ask this question on bogleheads bc I know they would not advise it. Curious to know what this board thinks.
19
Posted on 4/1/21 at 9:58 am to buffbraz
I have less than 20 years until retirement and I have zero money invested in bonds. I am still 100% in the market. I think with 20+ years of investing left, you would be foolish to have anything but the most nominal amount, if any, in bonds.
Posted on 4/1/21 at 9:58 am to buffbraz
Probably not. Also, this rising rate environment will not be favorable for bonds.
Posted on 4/1/21 at 10:08 am to TDTOM
Probably not. Also, this rising rate environment will not be favorable for bonds.
Exactly What I was thinking..... Considering my AA and what I’m already invested in, what are some
Opinions on how to proceed? Move it now? Wait for a correction? Dollar cost average? What funds to use?
Exactly What I was thinking..... Considering my AA and what I’m already invested in, what are some
Opinions on how to proceed? Move it now? Wait for a correction? Dollar cost average? What funds to use?
This post was edited on 4/1/21 at 10:26 am
Posted on 4/1/21 at 10:12 am to buffbraz
I’m turning 40 this year and have zero bond exposure, and probably wouldn’t even contemplate it til I’m at least 50.
Posted on 4/1/21 at 1:18 pm to buffbraz
late 40's zero in bonds
Posted on 4/1/21 at 1:59 pm to buffbraz
Man you boomers sure love your bonds
Posted on 4/1/21 at 2:15 pm to buffbraz
No reason to hold bonds unless you want secure access to funds in the next 30 months.
Every massive dip has recovered in 24 months.
Im probably not holding bonds in my retirement.
Every massive dip has recovered in 24 months.
Im probably not holding bonds in my retirement.
Posted on 4/1/21 at 2:52 pm to meansonny
quote:That's why I have a portion of my money in bonds. I buy dips.
Every massive dip has recovered in 24 months.
Posted on 4/1/21 at 3:54 pm to RoyalWe
I transferred my BNDX for ARKK.
Posted on 4/1/21 at 4:34 pm to buffbraz
Bond fund? Not this guy
Posted on 4/1/21 at 4:46 pm to meansonny
quote:
No reason to hold bonds unless you want secure access to funds in the next 30 months.
Every massive dip has recovered in 24 months.
Im probably not holding bonds in my retirement.
I amm in my 60s retired for 10 years now, 100% in equities aand will remain that way.
Posted on 4/1/21 at 5:19 pm to buffbraz
Statistics will tell you that the best strategy is for you to be 100% invested in stocks. That said, I never did this. I always felt more comfortable with a little padding.
Posted on 4/1/21 at 6:47 pm to buffbraz
quote:
My question is, are investors on this board who have a 20+ year time horizon still holding bond funds? I am considering moving some or all the bond funds in my IRA to ARKK, QQQ, or splitting it into My current 70% VTI/ 30% VXUS I’m currently using or a combination or those. I did not ask this question on bogleheads bc I know they would not advise it. Curious to know what this board thinks.
I'm roughly 23 years from retirement and I have 0 dollars in bonds and don't plan on changing that anytime soon.
Posted on 4/1/21 at 7:19 pm to buffbraz
(no message)
This post was edited on 11/30/24 at 8:27 am
Posted on 4/1/21 at 7:24 pm to buffbraz
I’m 46 and about 30/70. I was 100% securities until 2 years ago, I plan on retiring in 4 years though.
Posted on 4/1/21 at 7:33 pm to meansonny
quote:
Every massive dip has recovered in 24 months.
Except for the entirety of the 2000s, sure.
This post was edited on 4/1/21 at 7:37 pm
Posted on 4/1/21 at 7:39 pm to RoyalWe
quote:
That's why I have a portion of my money in bonds. I buy dips.
Yeah it really depends on your portfolio size and contribution rate IMO. Bonds suck until they don’t.
Posted on 4/1/21 at 7:39 pm to buffbraz
imagine voluntarily holding a countries sovereign debt as an asset
brutal to think people do this
brutal to think people do this
Posted on 4/1/21 at 7:44 pm to rocket31
quote:
imagine voluntarily holding a countries sovereign debt as an asset
brutal to think people do this
I supposed you could always hold crypto currencies that are highly correlated to equities.
I understand the demo of this board isn’t going to be fond of bonds, but depending on your withdrawal rate, they can provide needed insulation when you’re in the withdrawal phase.
Page 1 of 3
Popular
Back to top
Follow TigerDroppings for LSU Football News