woodedareas wrote:I am 70 years old...
woodedareas wrote:For my personal tax sensitive account he suggested the Vanguard Intermediate Tax Exempt fund for 70% (Perhaps some international) and 30% again in the Vanguard total stock index.
Vanguard Target Retirement Income Fund (VTINX) wrote:1 Vanguard Total Bond Market II Index Fund Investor Shares* 44.9% [good in tax-advantaged (not taxable)]
2 Vanguard Total Stock Market Index Fund Investor Shares 21.2% [good in tax-sensitive]
3 Vanguard Inflation-Protected Securities Fund Investor Shares 19.9% [definitely in tax-advantaged (not taxable)]
4 Vanguard Total International Stock Index Fund Investor Shares 9.1% [good in tax-sensitive]
5 Vanguard Prime Money Market Fund 4.9%
Total — 100.0%
https://personal.vanguard.com/us/funds/ ... =INT#tab=2
woodedareas wrote:However, if the return is so low I would consider doing nothing with my cash and let it sit until rates go up or if they go up.
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