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|Subject: Need counsel: VAIPX vs. VBTLX||Date: 11/23/2012 2:11 PM|
|Author: HomerUSA||Number: 34521 of 35437|
Today I'm two years away from maxing out my Social Security benefits, at which time I will apply for SS and hopefully spend more time skiing and less time working.
Two years ago, thinking that I had neither the time nor the skill to better manage my retirement portfolio, I asked Vanguard to exchange all my IRA stocks for five or fewer Vanguard funds. Vanguard opined that the new portfolio should contain 60% equities and 40% bonds. That made sense, so I said, "Sure."
Vanguard recommended only one bond fund: VBMFX (or VBTLX). I said, "Sure. If I knew better how to choose bond funds, I would be in your business."
Now I'm wondering whether VAIPX would have been a better choice. Is there benefit in exchanging some or all of the VBTLX for VAIPX, or is my "inflation-protection during low interest rates" concern something that will pass?
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