I haven't been here on Bogleheads for years.
I did the studying, took your advice and since then (2009) have nearly doubled my investment portfolio.
Now I find myself in a quandary about Bond Funds.
Here's my current situation:
Current Retirement Assets (these are just mine as my husband is a disabled vet and gets adequate (non-taxable) monthly compensation)
1,803.741 shares VBLTX Vanguard Long-Term Bond Index Fund ------------------------$24,981.81
4,608.509 shares VBTLX Vanguard Total Bond Market Index Fund Admiral Shares $50,693.60
4,770.080 shares VTSAX Vanguard Total Stock Market Index Fund Admiral Shares $186,367.03
132.852 shares VTSMX Vanguard Total Stock Market Index Fund Investor Shares $5,189.20
With recent stock market growth I find my investments a little more out of balance, stocks to bonds, than they have been before. On the other hand, I keep thinking I would rather be 100% in stocks in the current market. I watch the Stock Market pretty closely.
I retired at the beginning of 2012. I just turned 70 in January 2013. I'll need to start taking distributions from my IRA at 70-1/2. Don't currently need the money, but have to take it anyway.
My husband is a retired disabled vet whose income is not taxable.
My income is strictly Social Security at $2113 per month = annual $25,356.00
Our home is paid for.
We have no debts.
My brother, an attorney, advised me recently that I should be playing with Turbotax to figure out how much I can roll into my Roth IRA annually without paying a penalty. Unfortunately I didn't know about that strategy until now. I'll do that for this year at the end of the year.
Should I just bite the bullet and re-balance the Bogle way? Or is there new advice for an old Boglehead?