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I guess there probably isn't one, but figured I would ask. I have my parents in a 50-50 stock bond/cash portfolio. Both working, but retiring in a few years. The bonds are similar to the vanguard target retirement funds (30% foreign bonds and 70% domestic). Probably 15% cash and 35% bonds right now on fixed income side. Cash has no yield as they don't trust online bank accouts and want easy access. I would like to keep it simple and they freak out and get confused whenever I suggest any changes. Is there any shift you recommend or just hold the course according to target fund recs?
check the thread on annuities, MAYGA are offerring 2%
You could always try to copy the allocation that Vanguard target date funds use. Check the Portfolio & Management tab for the applicable fund to get the "recipe".
This is one person's opinion. Nothing more.