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Advice for a Parent - Vanguard
Posted on 8/25/20 at 12:05 pm
Posted on 8/25/20 at 12:05 pm
delete
This post was edited on 11/12/20 at 10:59 am
5
Posted on 8/25/20 at 12:11 pm to Turkeythug9
A balanced three or fund portfolio....nothing complicated, nothing fancy. The target date retirement funds are not a bad place to be, if she’s risk averse. Go do some reading on the Bogleheads website.
Posted on 8/25/20 at 12:29 pm to hungryone
She still needs equity exposure, but also bonds.
Maybe 75/25 split.
Could do large cap 25, mid cap 25, small cap 25, bonds 20, Real estate 5.
Just can’t be 100% equity so close to retirement.
Maybe 75/25 split.
Could do large cap 25, mid cap 25, small cap 25, bonds 20, Real estate 5.
Just can’t be 100% equity so close to retirement.
Posted on 8/25/20 at 2:20 pm to Turkeythug9
Have her go see a CFP.
Posted on 8/25/20 at 2:49 pm to Turkeythug9
Vanguard has financial planners, she can likely setup an apt and chat with someone, you can listen in and help.
Posted on 8/25/20 at 3:02 pm to eng08
While the market is generally pretty high, there are whole sectors of the economy that are still a big bargain due to the covid damage. They will come back over the next year especially after the vaccines and treatments put a stop to the pandemic.
There are around 200 vaccine candidates with several in phase 3 testing. One is undergoing massive manufacture even before completing phase 3 and getting approval so when it is released it can go very wide, very quickly. That will be a major pivot point in full recovery.
There are around 200 vaccine candidates with several in phase 3 testing. One is undergoing massive manufacture even before completing phase 3 and getting approval so when it is released it can go very wide, very quickly. That will be a major pivot point in full recovery.
Posted on 8/25/20 at 9:51 pm to yatesdog38
quote:
Have her go see a CFP.
This.
Your mom is at a critical point in life and should seek a fee only advisor. This also gets you out of a sticky situation that your engineering training isn’t ready to handle.
Posted on 8/26/20 at 4:23 pm to Turkeythug9
Vanguard has an online investment tool that asks questions and then suggest a portfolio.
Posted on 8/26/20 at 5:47 pm to Turkeythug9
I would look at SCHD as one holding for some of her money, performed way better than VYM during the down turn. She can use the Vanguard PAS which charges 30 basis points per year, which is close to nothing. Then after one year drop the PAS and keep the funds they put her in and avoid the fee. I would not put her in Vanguard target maturity date funds with significant US and foreign bonds in them, that is not going to go well until, and if, yield to maturity of the bonds have greatly improved, you don't want her losing value on fixed income as bonds improve. Better off with short term brokered CDs for safe money.
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