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Subject:  Re: Ideas for Small Roth IRA Date:  5/2/2012  3:01 AM
Author:  AndrewXnn Number:  70611 of 102697

VTTVX is a good conservative choice as it is:

51.2% VTSMX
21.3% VGTSX
27.5% VTBIX

In other words, it is a Large Cap Growth and Value Blend of domestic and foreign stock index along with total bond index. So, fees are very low with plenty of diversification and pretty much a current buy. However, what's missing are small caps, but they IMHO are over priced right now. So, it would be best to wait with a very safe or reasonable bond fund until the next panic.

Very Safe Bonds for now:
VSGBX if over $3k, VSGDX if over $50k

Reasonable Bonds for now:
VFIIX if over $3k, VFIJX if over $50k

Small Caps during next panic:
NAESX if over $3k, VSMAX if over $10k.

Of course there are more aggressive options currently available (FTE,F,GM or AA) but I don't advise that for more than 1% of the portfolio.
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