I’m rolling two 401Ks into a IRA. Close to 1M. Thinking a 40/40/20 percent into:Vanguard Total Stock Market Index Fund (VTSAX)Vanguard Total International Stock Index Fund (VTIAX)Vanguard Total Bond Market Fund (VBTLX)Diversification and low cost. Being well off I don’t feel like I need 50% in bonds just enough to weather a market downturn (about 3 years).Thoughts?
I think you will find more investors willing to comment on the Retirement Investing discussion board.I think you describe a reasonably well diversified portfolio. No matter what there is still risk, but you have covered it quite well. Some would look for better returns with a mix including some more aggressive investments, but the ones you describe will not keep you awake at night.
Nothing wrong with your choices. I believe Vanguard offers equivalent ETFs (VTI, VSUX, BND), which may be worth comparing. This might also be useful: https://www.fool.com/investing/etf/2018/01/21/the-3-top-tota... Invest wisely my friends
Dear StockGoddess,Years ago, I read a book by J.L. Collins called “The simple path to wealth”. In that book Jim Collins recommends an investing style very close to what you are pursuing. He makes a very compelling argument for VTSAX. Some have started with bond and international fund allocations as well, but drifted over time into 100% equities. Jeremy & Winnie of the blog www.GoCurryCracker.com have now gone 100% equities in the VTSAX fund. I respect their insight into money matters and have been reading their blog for about three years now. I saw that over time, they also drifted to 100% VTSAX.I sincerely hope that this information helps you feel good about your decision. TQA
REITs?VGSLXV Even the NoCount portfolio has a bit of it. ~5%CNC
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