Statch wrote:I'll retire at the end of the year, and my husband and I will live off my federal pension, plus SS when he's eligible. (I'm 55, he's 60.)...
Is there anything obvious that's overly risky right now and can't wait a year to be changed? Anything I have to do before I retire to avoid tax consequences, etc? Also, anything that jumps out at you that would help me in doing my adjusting later on would be appreciated. I know I'm low in international...just a minor exposure through the target retirement funds.
Statch wrote:Taxable 40.1%
23.4% VG Tax-Managed Growth & Income Admiral (VTGLX)
16.7% VG Tax-Managed Small-Cap Fund Admiral (VTMSX)
Tax-advantaged (of various flavors): 59.9%
Her Roth IRA 7.0%
7.0% VG Target Retirement 2015 (VTXVX)
Holding Vanguard Total International (VGTSX, VTIAX) gives you added International - an improvement for me.
Her Traditional IRA 0.5% (old one, just never got around to rolling it over)
0.5% VG Small-Cap Value Index (VISVX)
Perhaps later on, considering tax implications, you can convert Her t-IRA to Her Roth and get rid of one meaningless (0.5%) account.
His Traditional IRA 10.0%
9.0% VG Target Retirement 2015 (VTXVX)
1.0% VG Prime Money Market (VMMXX)
Hold a Bond fund - my choice would be Vanguard Bond Index (VBILX).
Link: https://personal.vanguard.com/us/funds/ ... IntExt=INT
Her Thrift Savings Plan (TSP) 27%
25.7% G Fund Government Securities
1.3% L 2020 (Target Retirement-like fund)
In today's interest rate environment, the G Fund is a great option to have. Get rid of L Fund because 1%, 2% allocation are meaningless and it doesn't cost anything to do it.
15.4% I-Bonds (most paying 4.79-5.19%)
Statch wrote:Thanks, Landy. In the IRA, did you mean you would move the Target Retirement 2015 to the bond fund, or hold both?
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