Hi I.m TM
I am 73yrs old and I have my IRA retirement money in Vanguards Total Retirement Income.Since this is an app. 30/stock 70/bond split I am concerned on the Bond side going forward. I use the RMD withdrawal as discretionary income at this time. I want to continue my conservative profile if possible.
investments
- RyeWhiskey
- Posts: 864
- Joined: Thu Jan 12, 2012 10:04 pm
Re: investments
I'm sorry but I'm failing to see your question. If you'd like, you can use the format which is outlined here for better results.tmcginn95 wrote:Hi I.m TM
I am 73yrs old and I have my IRA retirement money in Vanguards Total Retirement Income.Since this is an app. 30/stock 70/bond split I am concerned on the Bond side going forward. I use the RMD withdrawal as discretionary income at this time. I want to continue my conservative profile if possible.

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Re: investments
Perhaps you could expand on what your concerns are about your bonds? If you're concerned about things like a drop in price, be sure to try to quantify how large of a drop (or whatever) you're concerned about.
- Taylor Larimore
- Advisory Board
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- Joined: Tue Feb 27, 2007 8:09 pm
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Vanguard Target Retirement Income Fund.
TM:tmcginn95 wrote:Hi I.m TM
I am 73yrs old and I have my IRA retirement money in Vanguards Total Retirement Income.Since this is an app. 30/stock 70/bond split I am concerned on the Bond side going forward. I use the RMD withdrawal as discretionary income at this time. I want to continue my conservative profile if possible.
You are concerned about your "Bond side" where the worst annual return for Total Bond Market was -3%. I would be more concerned about your "Stock side" where the worst annual return since 1926 was -43%
In my opinion, Vanguard's Target Retirement Income Fund, designed by Vanguard experts, is nearly ideal for most retirees.
Stay the course and best wishes.
Taylor
"Simplicity is the master key to financial success." -- Jack Bogle