Bogleheads,
First off thanks for all the great wisdom so far. I’m 33 years old and here’s what I got so far
ROTH IRA 55k
80% VTI
20% VXUS
Taxable account 60k
40% Individual stocks (blue chips and FAANG)
60% VOO/VTI
HSA- 3.6k
100% FZROX (basically VTI)
IBonds- 20k
Emergency fund- 30k cash
After all that I have about 90k cash with no debt.I do want to buy a house within 5 years.. I’m torn on what to do. Hold the cash or invest in more VTI. I just need some guidance and advice if anyone can help! Thanks and I apologize for not providing a ton of info
Search found 46 matches
- Fri Jan 14, 2022 4:05 pm
- Forum: Personal Investments
- Topic: Help with portfolio and cash allocation!
- Replies: 1
- Views: 317
- Thu Jan 13, 2022 12:41 pm
- Forum: Investing - Theory, News & General
- Topic: [Should I move money from Intermediate Term Bond Index to I-Bonds?]
- Replies: 96
- Views: 15787
Re: I-Bonds
Just purchased 20K in Ibonds (10k in December 2021 and 10k in January 2022). its a good place to store some cash for me instead if sitting in a savings account. It will at least make something versus nothing. If I see a better opportunity after a year ill invest it elsewhere, if not, let it sit
- Thu Dec 02, 2021 6:34 pm
- Forum: Investing - Theory, News & General
- Topic: Tax advantage accounts!
- Replies: 6
- Views: 847
Re: Tax advantage accounts!
Around 70k a year
- Wed Dec 01, 2021 1:36 pm
- Forum: Investing - Theory, News & General
- Topic: Tax advantage accounts!
- Replies: 6
- Views: 847
Re: Tax advantage accounts!
Such as a solo 401k?
Thanks for the reply
Thanks for the reply
- Wed Dec 01, 2021 12:56 pm
- Forum: Investing - Theory, News & General
- Topic: Tax advantage accounts!
- Replies: 6
- Views: 847
Tax advantage accounts!
I max out a ROTH IRA every year. I am self employed and 30 years old. What other accounts should I open and take advantage of?
- Wed Dec 01, 2021 12:12 pm
- Forum: Investing - Theory, News & General
- Topic: Check up on portfolio and asset allocation
- Replies: 1
- Views: 259
- Wed May 27, 2020 9:26 pm
- Forum: Personal Investments
- Topic: Should I lump sum some money today?
- Replies: 28
- Views: 3330
Re: Should I lump sum some money today?
I have been sitting on an extra 20k for a few weeks and am guilty of waiting for a dip. This experiment might be over and a lesson learned. I will DCA into VOO starting tomorrow. Will check back in 5 years.
- Wed May 27, 2020 1:49 pm
- Forum: Personal Investments
- Topic: VIG vs VYM ROTH IRA
- Replies: 12
- Views: 2534
Re: VIG vs VYM ROTH IRA
Thank you all very much
- Wed May 27, 2020 1:13 pm
- Forum: Personal Investments
- Topic: VIG vs VYM ROTH IRA
- Replies: 12
- Views: 2534
Re: VIG vs VYM ROTH IRA
Is VUG in a ROTH a good move?Robert20 wrote: ↑Wed May 27, 2020 1:08 pmGo with VUG and VTI+VTStewpac14 wrote: ↑Wed May 27, 2020 12:45 pm Hey all,
I am 30 years old and have a Roth IRA with VTI and VXUS. I was thinking of adding a dividend ETF such as VIG or VYM and was seeing which on would be better in my situation. Or even just keep adding to VTI and not even bother with the dividend etfs. I obviously have a good amount of time so just want to see what you think.
Thanks in advance.
- Wed May 27, 2020 12:56 pm
- Forum: Personal Investments
- Topic: VIG vs VYM ROTH IRA
- Replies: 12
- Views: 2534
Re: VIG vs VYM ROTH IRA
Ya it will be mostly VTI but was just thinking that I could do VYM for a few years and get more dividend payments.
- Wed May 27, 2020 12:53 pm
- Forum: Personal Investments
- Topic: VIG vs VYM ROTH IRA
- Replies: 12
- Views: 2534
Re: VIG vs VYM ROTH IRA
No reason. I just want some info on which would be better to hold for 20 plus years.
- Wed May 27, 2020 12:45 pm
- Forum: Personal Investments
- Topic: VIG vs VYM ROTH IRA
- Replies: 12
- Views: 2534
VIG vs VYM ROTH IRA
Hey all,
I am 30 years old and have a Roth IRA with VTI and VXUS. I was thinking of adding a dividend ETF such as VIG or VYM and was seeing which on would be better in my situation. Or even just keep adding to VTI and not even bother with the dividend etfs. I obviously have a good amount of time so just want to see what you think.
Thanks in advance.
I am 30 years old and have a Roth IRA with VTI and VXUS. I was thinking of adding a dividend ETF such as VIG or VYM and was seeing which on would be better in my situation. Or even just keep adding to VTI and not even bother with the dividend etfs. I obviously have a good amount of time so just want to see what you think.
Thanks in advance.
- Mon Apr 27, 2020 5:06 pm
- Forum: Personal Investments
- Topic: Selling vanguard index fund question
- Replies: 3
- Views: 456
Re: Selling vanguard index fund question
Thanks for the advice and info.
This is for my taxable account and I want to select a few individual companies. I know I know the Bogle way. I do have VTI in my Roth along with VXUS and I will never ever touch that and always contribute the max every year.
Thanks for the words of wisdom
This is for my taxable account and I want to select a few individual companies. I know I know the Bogle way. I do have VTI in my Roth along with VXUS and I will never ever touch that and always contribute the max every year.
Thanks for the words of wisdom
- Mon Apr 27, 2020 4:41 pm
- Forum: Personal Investments
- Topic: Selling vanguard index fund question
- Replies: 3
- Views: 456
Selling vanguard index fund question
Hey all,
I sold some VTSAX at 1pm ET today and am just wondering when I will have funds available for trading in my settlement fund.
Any help is appreciated!
I sold some VTSAX at 1pm ET today and am just wondering when I will have funds available for trading in my settlement fund.
Any help is appreciated!
- Fri Mar 27, 2020 3:11 pm
- Forum: Personal Investments
- Topic: buy twice in one day [same stock- cost basis?]
- Replies: 3
- Views: 435
buy twice in one day [same stock- cost basis?]
This may seem like a silly question but what happens if you buy a stock in the morning and then buy the same stock in the afternoon? Does it average out or do I get it in at the current price?
I have a vanguard account btw.
Any help would be great and thanks!
I have a vanguard account btw.
Any help would be great and thanks!
- Sun Mar 22, 2020 12:22 pm
- Forum: Personal Investments
- Topic: VTSAX and VGT
- Replies: 20
- Views: 2398
- Sun Mar 22, 2020 12:01 pm
- Forum: Personal Investments
- Topic: VTSAX and VGT
- Replies: 20
- Views: 2398
Re: VTSAX and VGT
I think it is okay to take a gamble with a small portion of your overall portfolio on VGT if you think it will outperform the market, say 5%, call it play money. But you should only really do this if the rest of your portfolio is large enough that losing that 5% would not devestate you. I personally have used my "play money" allocation and invested in VGT prior to this drop. Since this drop, I have continued to buy more VGT (as well as total market). VGT has held up better than VTSAX/VTI in this drop (probably because the info tech sector has fallen less than most other sectors), there is no guarantee this will continue. If you are looking for something else to invest in along with VGT, you can also look at VUG (Vanguard Growth I...
- Sun Mar 22, 2020 12:01 pm
- Forum: Personal Investments
- Topic: VTSAX and VGT
- Replies: 20
- Views: 2398
Re: VTSAX and VGT
I think it is okay to take a gamble with a small portion of your overall portfolio on VGT if you think it will outperform the market, say 5%, call it play money. But you should only really do this if the rest of your portfolio is large enough that losing that 5% would not devestate you. I personally have used my "play money" allocation and invested in VGT prior to this drop. Since this drop, I have continued to buy more VGT (as well as total market). VGT has held up better than VTSAX/VTI in this drop (probably because the info tech sector has fallen less than most other sectors), there is no guarantee this will continue. If you are looking for something else to invest in along with VGT, you can also look at VUG (Vanguard Growth I...
- Sun Mar 22, 2020 11:24 am
- Forum: Personal Investments
- Topic: VTSAX and VGT
- Replies: 20
- Views: 2398
Re: VTSAX and VGT
I think it is okay to take a gamble with a small portion of your overall portfolio on VGT if you think it will outperform the market, say 5%, call it play money. But you should only really do this if the rest of your portfolio is large enough that losing that 5% would not devestate you. I personally have used my "play money" allocation and invested in VGT prior to this drop. Since this drop, I have continued to buy more VGT (as well as total market). VGT has held up better than VTSAX/VTI in this drop (probably because the info tech sector has fallen less than most other sectors), there is no guarantee this will continue. If you are looking for something else to invest in along with VGT, you can also look at VUG (Vanguard Growth I...
- Sun Mar 22, 2020 11:06 am
- Forum: Personal Investments
- Topic: VTSAX and VGT
- Replies: 20
- Views: 2398
Re: VTSAX and VGT
Very cool, just checked out the 9-box style grid. I love the holdings in VTV. Seems solid and something I can get behind.retired@50 wrote: ↑Sun Mar 22, 2020 10:55 amAre you familiar with the 9-box style grid? See link. Inspect the names of the holdings. Note the differences between VTV and VGT.Stewpac14 wrote: ↑Sun Mar 22, 2020 10:45 amCan you explain what you mean by "buy value"?MotoTrojan wrote: ↑Sun Mar 22, 2020 10:39 am Why not buy value? Historically it’s beaten both and is even more depressed right now. Growth doesn’t mean portfolio growth.
https://investor.vanguard.com/etf/profile/portfolio/vtv
If I were you, I'd still just buy VTSAX. Keep it simple instead of creating lumps of money in different sectors or parts of the market.
Regards,
Thank you
- Sun Mar 22, 2020 11:03 am
- Forum: Personal Investments
- Topic: VTSAX and VGT
- Replies: 20
- Views: 2398
Re: VTSAX and VGT
Why not buy value? Historically it’s beaten both and is even more depressed right now. Growth doesn’t mean portfolio growth. Can you explain what you mean by "buy value"? A value fund like VTV or VFVA, or something with a more gentle tilt like FNDX, or even small value like VIOV. People falsely believe growth companies and indexes are expected to outperform the market when its actually just a way to describe the type of company (fast growing, but also more highly valued so it needs to grow even faster than expected to outperform). Will tech companies grow faster than the rest of the economy? No doubt. Will their stocks? Not necessarily. Just trying to see why you chose this fund. If past performance, that’s a good way to lose mon...
- Sun Mar 22, 2020 10:54 am
- Forum: Personal Investments
- Topic: VTSAX and VGT
- Replies: 20
- Views: 2398
Re: VTSAX and VGT
I have about 10k more to invest and was looking to diversify a bit and buy a good chunk of VGT. This isn't an effective way to diversify. By buying VGT, you would be reducing your diversification by over-weighting this sector in your portfolio. Do you think I should keep adding to the VTSAX or put some (or a lot) into VGT? Or do a little of both? I am young and now looks like a good time to buy with time on my side. Keep buying VTSAX and focus on increasing your savings rate. That and the time on your side will help you way more than trying to make sector bets. Lastly, I'm curious why you think now is a good time to buy: VGT has gone down less than has VTI. It's actually a worse time to buy now than before the market turmoil. Thanks for th...
- Sun Mar 22, 2020 10:45 am
- Forum: Personal Investments
- Topic: VTSAX and VGT
- Replies: 20
- Views: 2398
Re: VTSAX and VGT
Can you explain what you mean by "buy value"?MotoTrojan wrote: ↑Sun Mar 22, 2020 10:39 am Why not buy value? Historically it’s beaten both and is even more depressed right now. Growth doesn’t mean portfolio growth.
- Sun Mar 22, 2020 10:36 am
- Forum: Personal Investments
- Topic: VTSAX and VGT
- Replies: 20
- Views: 2398
VTSAX and VGT
Hey all,
I just turned 31 and have been investing for a few years. I max out a Roth with VTI,VXUS and BND (90/10) every year. I also just bought $30,000 worth of VTSAX about 6 months ago in a taxable account through Vanguard. I have about 10k more to invest and was looking to diversify a bit and buy a good chunk of VGT.
Do you think I should keep adding to the VTSAX or put some (or a lot) into VGT? Or do a little of both? I am young and now looks like a good time to buy with time on my side.
BTW I wont be touching anything for 5-10 years.. more likely 10 years.
Any advice is appreciated!
I just turned 31 and have been investing for a few years. I max out a Roth with VTI,VXUS and BND (90/10) every year. I also just bought $30,000 worth of VTSAX about 6 months ago in a taxable account through Vanguard. I have about 10k more to invest and was looking to diversify a bit and buy a good chunk of VGT.
Do you think I should keep adding to the VTSAX or put some (or a lot) into VGT? Or do a little of both? I am young and now looks like a good time to buy with time on my side.
BTW I wont be touching anything for 5-10 years.. more likely 10 years.
Any advice is appreciated!
- Sat Mar 21, 2020 11:35 am
- Forum: Investing - Theory, News & General
- Topic: Who here is buying stocks today and how much?
- Replies: 315
- Views: 34420
Re: Who here is buying stocks today and how much?
30 years old and have about 10k more to invest. Already maxed Roth and have a good chunk in VTSAX. I will put $2,000 in each week while the price is low then just sit back the next 10 years and most likely gain a profit.
- Wed Mar 18, 2020 1:43 pm
- Forum: Investing - Theory, News & General
- Topic: The Calm Post - Stay the course thread.
- Replies: 540
- Views: 67255
Re: The Calm Post - Stay the course thread.
I love this thread. 31 years old with a roth and a chunk invested in VTSAX. I am so calm I might buy more VTSAX. Not exactly the bogle way, but I am staying the course and letting time be on my side.
You guys are awesome!
You guys are awesome!
- Tue Mar 17, 2020 1:18 pm
- Forum: Personal Investments
- Topic: Save Me! Sell or Dont Sell? Take some losses?
- Replies: 15
- Views: 1378
Re: Save Me! Sell or Dont Sell? Take some losses?
TroutMD,
Your kids are young and you're only 39. I feel like you have time on your side to let things recover and gain recent losses back.
I don't even know what else to add, it is that simple? Maybe I am missing something, but selling almost always seems like a bad answer especially when you are relatively young.
Your kids are young and you're only 39. I feel like you have time on your side to let things recover and gain recent losses back.
I don't even know what else to add, it is that simple? Maybe I am missing something, but selling almost always seems like a bad answer especially when you are relatively young.
- Mon Mar 16, 2020 3:33 pm
- Forum: Personal Investments
- Topic: Roth contribution
- Replies: 8
- Views: 539
Re: Roth contribution
I think it would be smart to put the whole $2,000 in now since the price is so low. About 9 months I put $30,000 into VTSAX and it was doing very well until recent. I was thinking about putting another $10,000 in today or tomorrow while the price is so low. Good or bad idea? Similar to OP's question. My brain says put in the money now while it is at a low price... Just want to hear what you think... I just turned 31 so time is on my side, but would of liked to use this money on a down payment for a house in a few years. If the recovery will take longer than a few years than I could just wait it out and sell later than I planned. If you're looking to buy a house in a few years, I would NOT put that $10k in the market... we don't know what t...
- Mon Mar 16, 2020 2:34 pm
- Forum: Personal Investments
- Topic: Who is staying course and how are you dealing with net worth going down?
- Replies: 359
- Views: 33857
Re: Who is staying course and how are you dealing with net worth going down?
I just turned 31. I have about $24,000 in a Roth IRA and bought $30,000 VTSAX about 9 months ago.
I have plenty of time on my side in my Roth so I am not doing a damn thing. Just wish I didn't contribute in January and contributed for 2020 right now! lol. Currently at 90/10 Stock to Bond. VTI, VSUX, BND
As far as the $30,000 in VTSAX, I was hoping I could take that out in the next few years for a down payment on a home. Looks like that is going to have to sit longer than I hoped. I almost want to add a few thousand dollars more into VTSAX since the price is so low at the moment...
You have all been helpful with my investing and I thank you! Just gonna play the waiting game..
I have plenty of time on my side in my Roth so I am not doing a damn thing. Just wish I didn't contribute in January and contributed for 2020 right now! lol. Currently at 90/10 Stock to Bond. VTI, VSUX, BND
As far as the $30,000 in VTSAX, I was hoping I could take that out in the next few years for a down payment on a home. Looks like that is going to have to sit longer than I hoped. I almost want to add a few thousand dollars more into VTSAX since the price is so low at the moment...
You have all been helpful with my investing and I thank you! Just gonna play the waiting game..
- Mon Mar 16, 2020 2:09 pm
- Forum: Personal Investments
- Topic: Roth contribution
- Replies: 8
- Views: 539
Re: Roth contribution
I think it would be smart to put the whole $2,000 in now since the price is so low.
About 9 months I put $30,000 into VTSAX and it was doing very well until recent. I was thinking about putting another $10,000 in today or tomorrow while the price is so low. Good or bad idea? Similar to OP's question. My brain says put in the money now while it is at a low price... Just want to hear what you think...
I just turned 31 so time is on my side, but would of liked to use this money on a down payment for a house in a few years. If the recovery will take longer than a few years than I could just wait it out and sell later than I planned.
About 9 months I put $30,000 into VTSAX and it was doing very well until recent. I was thinking about putting another $10,000 in today or tomorrow while the price is so low. Good or bad idea? Similar to OP's question. My brain says put in the money now while it is at a low price... Just want to hear what you think...
I just turned 31 so time is on my side, but would of liked to use this money on a down payment for a house in a few years. If the recovery will take longer than a few years than I could just wait it out and sell later than I planned.
- Fri Jan 03, 2020 6:03 pm
- Forum: Personal Investments
- Topic: Accounts with Vanguard and TD Ameritrade
- Replies: 3
- Views: 373
Accounts with Vanguard and TD Ameritrade
Hey Everyone,
I'm 30 years old and have two accounts set up. At TD Ameritrade I have a Roth IRA that I contribute to a 3 fund portfolio every year (stock, intl stock, bond). I also have a Vanguard account with about $30,000 in VTSAX which is a total US market stock that just kinda sits there and builds over a lot of time.
My question is, should I have two separate accounts or is there a big benefit to moving it all to one account? So far its been totally fine with two different accounts, but just want your opinions.
Thanks in advance!
I'm 30 years old and have two accounts set up. At TD Ameritrade I have a Roth IRA that I contribute to a 3 fund portfolio every year (stock, intl stock, bond). I also have a Vanguard account with about $30,000 in VTSAX which is a total US market stock that just kinda sits there and builds over a lot of time.
My question is, should I have two separate accounts or is there a big benefit to moving it all to one account? So far its been totally fine with two different accounts, but just want your opinions.
Thanks in advance!
- Fri Jul 05, 2019 10:30 pm
- Forum: Personal Investments
- Topic: 60K into VTSAX
- Replies: 9
- Views: 1199
Re: 60K into VTSAX
Will look into those. Thankswillthrill81 wrote: ↑Fri Jul 05, 2019 10:02 pmI strongly urge you to look into setting up either a solo 401k or a SIMPLE IRA.Stewpac14 wrote: ↑Fri Jul 05, 2019 9:29 pm I don't have a 401k I am self employed and have a Roth IRA. The idea of splitting 60k into a CD and VTSAX sounds great. I need to figured out how much makes sense for the timing of a house purchase and assess risk etc..
thank you all so much. Any more insight is appreciated
- Fri Jul 05, 2019 9:29 pm
- Forum: Personal Investments
- Topic: 60K into VTSAX
- Replies: 9
- Views: 1199
Re: 60K into VTSAX
I don't have a 401k I am self employed and have a Roth IRA. The idea of splitting 60k into a CD and VTSAX sounds great. I need to figured out how much makes sense for the timing of a house purchase and assess risk etc..
thank you all so much. Any more insight is appreciated
thank you all so much. Any more insight is appreciated
- Fri Jul 05, 2019 9:05 pm
- Forum: Personal Investments
- Topic: 60K into VTSAX
- Replies: 9
- Views: 1199
Re: 60K into VTSAX
I intend to use maybe a little bit of it if needed. Hopefully I would have enough in checking account, but if not then I could sell some shares. Or I could get a loan? I have excellent credit..
That's why a CD is enticing. Basically no risk but a small return..
That's why a CD is enticing. Basically no risk but a small return..
- Fri Jul 05, 2019 8:51 pm
- Forum: Personal Investments
- Topic: 60K into VTSAX
- Replies: 9
- Views: 1199
60K into VTSAX
I am 30 years old and have about 60k I want to invest. I was thinking of opening a vanguard account and putting 60k into VTSAX and letting it sit as long as possible. After the 60k is invested ill have about 30k in my checking account.
I max out my Roth IRA every year already.
I probably want to buy a house in the next 5-10 years.
Is putting 60k into the VTSAX a good move or would something like a CD be better?
Any insight or opinions are greatly appreciated!
I max out my Roth IRA every year already.
I probably want to buy a house in the next 5-10 years.
Is putting 60k into the VTSAX a good move or would something like a CD be better?
Any insight or opinions are greatly appreciated!
- Wed Jan 02, 2019 4:22 pm
- Forum: Personal Investments
- Topic: Governmental 457(b)
- Replies: 11
- Views: 615
Re: Governmental 457(b)
The expense ratios are not listed on the sheet, but I could just look them up and I assume that would be the same ER. You cannot assume that at all. The employer must provide the expense ratios of the funds they offer. She has to find out where that information is available. Sometimes it is the same cost as for ordinary retail customers. Sometimes not. Might be higher or lower. I suspect these will be the best choices....but she/you should check. Vanguard Total Intl Stock Index Admiral. . . . . . . VTIAX VTIAX Vanguard Institutional Index I. . . . . . . . . . . . . . . . . . . VINIX VG-IND Vanguard Total Bond Market Index Adm. .. . . . . VBTLX VBTLX Will do. I was thinking the exact same idea in terms of these choices you provided.
- Wed Jan 02, 2019 4:19 pm
- Forum: Personal Investments
- Topic: Governmental 457(b)
- Replies: 11
- Views: 615
Re: Governmental 457(b)
It does have a Roth option, 22-24% federal income tax rate, State 9.3%. As of now shes probably 90/10 stocks to bonds or maybe 80/20. Dont want anything risky, sort of a just set it and forget it type of deal. 30%+ marginal tax rate, I'd absolutely defer taxes with all traditional contributions to the 457b. If she can contribute more after maxing the 457b, put it in a Roth IRA. For the overall allocation I'd recommend 20% bonds. The stocks could be something like: 45% large cap, 3% mid cap, 10% small cap, 22% international (percentages are of the overall portfolio). You could also leave out small- and mid-caps for simplicity, it won't affect performance much one way or another. Thanks for the advice. Would this be a good option? Seems simp...
- Wed Jan 02, 2019 4:03 pm
- Forum: Personal Investments
- Topic: Governmental 457(b)
- Replies: 11
- Views: 615
Re: Governmental 457(b)
It does have a Roth option, 22-24% federal income tax rate, State 9.3%. As of now shes probably 90/10 stocks to bonds or maybe 80/20. Dont want anything risky, sort of a just set it and forget it type of deal.02nz wrote: ↑Wed Jan 02, 2019 3:33 pm Does the 457b have a Roth option? What's her income tax rate, state and federal? Desired asset allocation, or at least her risk tolerance? Can't really answer without that information. My inclination would probably be to do both the 457b and Roth IRA but it really depends on her tax rate and how much she can contribute.
The fund choices are good - she can mix the Vanguard Institutional Index (S&P500) with the Total Bond fund, and add international and small- and mid-caps if desired.
- Wed Jan 02, 2019 3:58 pm
- Forum: Personal Investments
- Topic: Governmental 457(b)
- Replies: 11
- Views: 615
Re: Governmental 457(b)
The expense ratios are not listed on the sheet, but I could just look them up and I assume that would be the same ER. And yes, I assumed vanguard as well because they're known for low ER's. There is an option to have someones manage the account (for a fee of course) or manage it on your own. I am advising her to do it on her own since re balancing is fairly easy and less expense to have someone manage it
- Wed Jan 02, 2019 3:48 pm
- Forum: Personal Investments
- Topic: Governmental 457(b)
- Replies: 11
- Views: 615
Re: Governmental 457(b)
deleted
- Wed Jan 02, 2019 3:27 pm
- Forum: Personal Investments
- Topic: Governmental 457(b)
- Replies: 11
- Views: 615
Governmental 457(b)
Hello, My girlfriend recently got a job as a nurse and we could use some advice on how to set up a little retirement plan. They offer a governmental 457(b) plan. 28 years old and has no other retirement accounts set up at the moment. Should she participate in the 457b governmental plan or do something else, such as set up a Roth IRA? or both? We are both new to investing and just need some insight on how to set up a retirement plan for the future. We are not very experienced in this field so ideally something relatively simple would be nice. She is still paying off student loans if that helps with anything. Here is what is offered through her work. Any help on which ones to pick for simplicity and effectiveness would be great. I currently h...
- Tue Jan 01, 2019 2:52 pm
- Forum: Investing - Theory, News & General
- Topic: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
- Replies: 160
- Views: 12747
Re: Will you contribute the max to your IRA and then invest it all in equities for the first market day of the new year?
Yes, as soon as it clears I will put 6k into VTI, VXUS, BND. In the appropriate percentages of course. For me, 90/10 stock to bonds. 29 years old.
- Sat Dec 29, 2018 2:39 pm
- Forum: Personal Investments
- Topic: 3 fund portfolio- 3 years in
- Replies: 3
- Views: 624
Re: 3 fund portfolio- 3 years in
Thanks for the great answers. That is what I suspected so it is good to hear from you all.
- Sat Dec 29, 2018 1:53 pm
- Forum: Personal Investments
- Topic: 3 fund portfolio- 3 years in
- Replies: 3
- Views: 624
3 fund portfolio- 3 years in
Hello! I have a 3 fund portfolio consisting of VTI (US stock), VXUS (International stock) and BND (Total market bond). I am approaching 30 years old and have had the account for 2 years equaling two full contributions ($5,500). It hasn't really moved much at all, if anything its mostly moved down. I know I am playing the long haul, but I believe it should of increased by now? The first year i contributed in April and the second year i contributed in early January. This coming new year I will contribute in January again VTI-64% VXUS-24% BND-9% cash-3% I put $11,000 in so far and my total is $10,220.42 Why has this not moved up? isnt a 6% increase normal? Or is this totally normal? I dont touch it. I just put in my full contribution in Januar...
- Mon Jul 02, 2018 7:44 pm
- Forum: Personal Investments
- Topic: Who uses the 3 fund portfolio ?
- Replies: 139
- Views: 36451
Re: Who uses the 3 fund portfolio ?
Thanks you for the kind words. You guys have been extremely helpful!Taylor Larimore wrote: ↑Mon Jun 11, 2018 6:14 pmStewpac14:
Welcome to the Bogleheads Forum!
In my opinion, you are on the road to investment success.
Stay the course.
Best wishes.
Taylor
- Mon Jun 11, 2018 2:38 pm
- Forum: Personal Investments
- Topic: Who uses the 3 fund portfolio ?
- Replies: 139
- Views: 36451
Re: Who uses the 3 fund portfolio ?
I do! I am about 30 years old and VTI, VXUS and BND make up my portfolio. At the moment, I am about 90% stock allocation and 10% bonds. I follow vanguards 2060 retirement funds allocation to match mine up, give or take a few percents.