The Motley Fool Discussion Boards

Previous Page

Investing/Strategies / Retirement Investing

URL:  http://boards.fool.com/i-presently-have-50-thousand-in-my-401k-it-is-in-22821838.aspx

Subject:  Re: Asset Allocation Date:  7/31/2005  1:34 AM
Author:  billyturtle Number:  47087 of 78166

I presently have 50 thousand in my 401K it is in Vanguard Instituti0onal Index, this is the only index fund available to me. I am saving up to start a Roth. I could start one now but thought it would be best to want till I had the years max saved up to save on that much quaterly fees. So what I am looking for are suggestions on what Vanguard fund would be the best for balance for my 401K.

With only 11 years to go before retirement, it's time to start slowly moving more of your money out of stocks and into bonds. With your RIRA money, you should consider a bond index fund or TIPS bond fund. In some ways it's a bad time to be moving into bond funds because interest rates are rising, but you need more security than 100% stocks can provide.

Will you be getting any social security on top of the pension? Have you sat down and run the numbers to figure out how much money you will n