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Vanguard Allocation

Posted on 6/22/15 at 1:54 pm
Posted by FlowMaster
Member since Jan 2009
305 posts
Posted on 6/22/15 at 1:54 pm
48 years old; 15-20 year time horizon; moderate to moderate aggressive risk tolerance; need to allocate $250k in a traditional ira with Vanguard from all cash (just rolled it over last week) into Vanguard funds. Thinking the following:

40% US stock VTSAX
20% US bonds VICSX
15% intl stock VFWAX
15% intl stock VTIAX
10% intl bond VTABX

thanks for your thoughts

Posted by Patrick_Bateman
Member since Jan 2012
17823 posts
Posted on 6/22/15 at 5:57 pm to
Looks fine to me. With a 15-20 year time horizon, you might want to consider a larger allocation to bonds, though. But that's up to you.
Posted by Porker Face
Eden Isle
Member since Feb 2012
15337 posts
Posted on 6/22/15 at 6:56 pm to
What about REIT Index?
Posted by Joshjrn
Baton Rouge
Member since Dec 2008
27067 posts
Posted on 6/22/15 at 10:50 pm to
I think anything between 30-40% bond is reasonable. Just depends on how much you would need to liquidate.
Posted by seawolf06
NH
Member since Oct 2007
8159 posts
Posted on 6/23/15 at 8:25 am to
Can you guys expand on why you recommend bonds? With interest rates at historical lows, bond prices are near historical highs.

I understand bonds are less volatile, but that doesn't mean that they can't lose money.
This post was edited on 6/23/15 at 8:26 am
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