tmcginn95 wrote:Hi I.m TM
I am 73yrs old and I have my IRA retirement money in Vanguards Total Retirement Income.Since this is an app. 30/stock 70/bond split I am concerned on the Bond side going forward. I use the RMD withdrawal as discretionary income at this time. I want to continue my conservative profile if possible.
You are concerned about your "Bond side" where the worst annual return for Total Bond Market was -3%. I would be more concerned about your "Stock side" where the worst annual return since 1926 was -43%
In my opinion, Vanguard's Target Retirement Income Fund, designed by Vanguard experts, is nearly ideal for most retirees.
Stay the course and best wishes.