Personal Investment Question--VBTLX

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Personal Investment Question--VBTLX

Postby rkdlib » Fri Jun 28, 2013 12:24 pm

I'm retired (63) and have 47% of my IRA in VBTLX and 53% in VTSAX. I shouldn't need the IRA funds until the MRD. I have no debt and have 8 mo emergency fund. I do have a ROTH also. I'm asking for suggestions for reducing the bond fund and suggestions for reinvesting that money.
Thanks.
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Re: Personal Investment Question--VBTLX

Postby Default User BR » Fri Jun 28, 2013 1:33 pm

Why do you want to reduce it? What is your plan instead for the money? Higher or lower risk than the bond fund?


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Re: Personal Investment Question--VBTLX

Postby Rainier » Fri Jun 28, 2013 1:45 pm

Please list the names of the funds, I don't want to look them up.
- Bill
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Re: Personal Investment Question--VBTLX

Postby dbr » Fri Jun 28, 2013 1:46 pm

If you want less in bonds and more in stocks, a very conventional suggestion would be to add some investment in total international stock market to only the US market. Of course placing part of the stock investment in international would be a very conventional suggestion no matter what the stock/bond allocation might be.

None of this addresses why you now want less in bonds or what your stock/bond allocation should be, as questioned above.
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Re: Personal Investment Question--VBTLX

Postby rkdlib » Fri Jun 28, 2013 1:55 pm

The funds are VBTLX--- Vanguard Total Bond Market Index Fund Admiral Shares
and VTSAX--Vanguard Total Stock Market Index Fund Admiral Shares.
Thanks for your help everyone.
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