Looking for some tips in picking Roth IRA funds.
I opened 2 accounts, for my wife and I with $10,500 each @ Vanguard
Unless there are some other compelling options, I'd probably maintain it with Vanguard
That said, I don't know which funds to pick -
Here are some options I explored (prefer aggressive growth):Option 1:
Vanguard Target Retirement 2040 Fund (VFORX)
1 Vanguard Total Stock Market Index Fund Investor Shares 63.5%
2 Vanguard Total International Stock Index Fund Investor Shares 26.6%
3 Vanguard Total Bond Market II Index Fund Investor Shares* 9.9%
1) Are target retirement funds good for Roths or 401(k). My wife has a 2045 Vanguard fund in her 401(k)
2) Is it smart to choose the same/similar fund for both since we'll retire around the same time (25 odd years of service before we retire)Option 2:
Select top yields (& low expense ratio) from here - https://personal.vanguard.com/us/funds/ ... =avgAnnTBI
In terms of skills, I am a beginner to average
level when it comes to picking funds. However, I am usually busy with work/travel etc
So, what would you suggest based on the above.
I'd truly appreciate pointers to good funds so that I can try 'em for a year or so before I re-visit.