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Greetings squarepegs,

I've considered just investing all three of these vehicles in the LifeStrategy Growth Fund (VASGX) to capture some bond and international stock exposure, and to relieve myself of concern over the fact that the SEP-IRA will be receiving contributions while the other two accounts will not. I'm curious what folks think about the fact that VASGX invests 25% of its assets in the Asset Allocation Fund. Is there a common opinion of that fund here?

IIRC, this is one of those funds that some Vanguard Diehards loathe. The fund invests in a combination of large-cap stocks, long-term Treasury bonds or cash depending on which allocation a market timing suggests. Like I said, this isn't a well liked fund though some accept that sometimes you can't always get what you want. *sigh*

I could also go with the LifeStrategy Moderate Growth Fund. My beef with that fund is the small international stock investment (~10%). On the other hand, there is still the 25% Asset Allocation Fund investment, which may allow for international stock investments (does anybody know about that one?).

As noted above, the Asset Allocation fund doesn't do international. STAR though would do international and has some bonds if you're willing to take on a combination of actively managed funds, fwiw.

My temptation would be to use the Roth IRA for a bond fund which could be any of the Intermediate-Term Bond Index, GNMA, or TIPS funds that would likely be good options, IMO. As for the others, the 403(b) I would make international stock as a base and then use the SEP to overweight whichever may need it. This is just a "What I would do if I were you" suggestion.

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