Am I in the correct bond fund?

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poker27
Posts: 815
Joined: Mon Apr 01, 2013 2:48 pm

Am I in the correct bond fund?

Post by poker27 »

My target asset allocation within my taxable is 75/25 stocks/ bonds.

i currently own...
VFWAX
Vanguard FTSE All-World ex-US Index Fund Admiral
VTSAX
Vanguard Total Stock Market Index Fund Admiral Shares
VWIUX
Vanguard Intermediate-Term Tax-Exempt Fund Admiral Shares

I dont recall how I selected my bonds fund years ago, but figured now is good time as any to confirm I made a solid choice :D

I do not have any specific plans for my taxable, other than $ growth. I am in the 32% tax bracket. Is this a solid plan? Should I be looking at anything else? I prefer to keep some bonds in my taxable (and not only in 401k) to sleep better at night.

Thanks in advance!
PFInterest
Posts: 2684
Joined: Sun Jan 08, 2017 12:25 pm

Re: Am I in the correct bond fund?

Post by PFInterest »

That's fine.
You should fill up your 401k first with fixed income.
Also ibonds.
mhalley
Posts: 8426
Joined: Tue Nov 20, 2007 6:02 am

Re: Am I in the correct bond fund?

Post by mhalley »

At 32%, the only thing that would be better is if you are in a state that vanguard has a muni Fund.
https://investor.vanguard.com/mutual-fu ... nd-returns
MotoTrojan
Posts: 10659
Joined: Wed Feb 01, 2017 8:39 pm

Re: Am I in the correct bond fund?

Post by MotoTrojan »

PFInterest wrote: Fri Nov 23, 2018 3:05 pm That's fine.
You should fill up your 401k first with fixed income.
Also ibonds.
Agreed. You can still “sell” bonds in taxable by selling equities there and swapping bonds for similar equities in your 401K.
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