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26 & Vanguard Allocations
Old 02-22-2011, 05:42 PM   #1
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RetiredGypsy's Avatar
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Posts: 934
26 & Vanguard Allocations

It's been almost two years since I've taken my temporary retirement, and it has been so rewarding. I've been able to get involved in projects I never could have imagined I'd have the time for before, I'm getting to explore everything from playing chef to learning 3D modeling and getting back into art in general. It's been better than I could have dreamed.

One thing I haven't been paying attention to much has been the stock market. I was lucky enough to invest and keep investing as the market fell in 2008. Since then, I've only checked occasionally, but from then until today, I've gotten about 12% annual returns, although I include re-invested dividends as part of that and I don't know if you're supposed to or not.

Anyway, my Vanugard funds have looked like this for the past two and a half years:

Small-Cap Index
Mid-Cap Index

Roth IRA:
500 Index
Value Index

I was thinking of re-allocating money from those into a portfolio that looked like this:

Small-Cap Index
Mid-Cap Index
REIT (would be about 12%)
Emerging Markets
International Value
Wellsley (would be about 25%)

And not touching anything in the Roth IRA.

For the foreseeable future, my risk tolerance is very high. But my knowledge of the market and ideas of diversification are still growing, so I thought it would be a smart move to throw this out here to see what people more experienced than I think about this plan.

I'm free and I like it!
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Old 02-23-2011, 06:49 AM   #2
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Excellent start. I'd combine all my accounts (mentally) for the purpose of allocation. Decide the ratio of stocks to bonds that you want and then subdivide each into small/ mid cap, large cap, international, TIPs, etc.

For instance, I'm 70% stocks, evenly divided between Small/ Mid cap, Large cap and International. 30% bonds evenly split between TIPs and Total Bond.
Yes, I have achieved work / life balance.
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