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Investing/Strategies / Retirement Investing
|Subject: Re: Portfolio Allocation for age 35||Date: 2/13/2007 1:51 AM|
|Author: craigflannagan||Number: 55801 of 83104|
At your age, and with a Roth IRA, I wonder if you need CCE and fixed income. CCE should not be in an IRA where it's inaccessible. At your age, I would just use a Vanguard Extended Market Index Fund or something like that. Don't forget to have a cash fund outside the IRA, however.
D'oh, you're right *slaps forehead*. CCE and fixed income in Roth IRA.. doesn't make much sense now that I think about it, ha.
This however brings up more questions for me. I've been looking at various "recommended portfolio allocations" all day. When the portfolio allocation shows something like this: 65% equities, 20% fixed income, and 15% CCE.. is it usually referring to both retirement/non-retirement accounts, or one or the other? Now that you got me thinking.. I would imagine it should be referring to both retirement/non-retirement accounts, am I correct? (with a good portion of equities in retirement accounts, a smaller portion of equities and all of CCE/fixed income in non-retirement accounts)
Don't worry about "catching up". You are miles ahead of most folks.
Really? That's pretty encouraging to hear.
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