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Author: MikeOfool One star, 50 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 76422  
Subject: Opinions Please? Date: 8/9/2001 8:25 PM
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Greetings - thanks for reading my post - I welcome any and all opinions/comments.

I'm 43 and have been investing for about 20 yrs - did mutual funds then market timing then trading on technical analysis - Now I want to simplify and turn on "auto-pilot" - I'm not retired but it could happen any day now - I've moved everything to Vanguard and my bank's money market account - here's my plan:

Pot #1 - 6 months of household expenses (based on a projected budget) in my bank's money market.

Pot #2 - 5 years of household expenses (based on a projected budget) in a 5 year Treasury Bond ladder (Treasury Direct) - about 25% of total portfolio;

Pot #3 - taxable Vanguard account - about 25% of total portfolio - Vanguard Total Stock Market Index Fund Admiral Shares OR Vanguard Tax-Managed Growth and Income Fund - I've spent hours reading and analyzing which one - I'm leaning toward Total Stock... because I just might need the money within 5 yrs (maybe pot #1 will be empty) so don't want to pay the 1% redeem fee, I'm not in the highest tax bracket, and I expect the returns to be very close...

Pot #4 - nontaxable Vanguard accounts - about 50% of total portfolio - either Vanguard Total Stock Market Index Fund Admiral Shares OR Vanguard 500 Index Fund Admiral Shares OR one of the Life Stategy Funds - once again I've spent hours reading and analyzing which one - I'm leaning toward Total Stock... because "Bogie" says so... seriously, it just feels right - is that a valid reason??? The earliest I can tap this pot is age 59.5 so it'll stay for 17 years.

So, what do you think? What would you change?

Thanks in advance,
MikeO
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