Dog
Full time employment: Posting here.
- Joined
- Apr 8, 2006
- Messages
- 880
Greetings!
I've been reading ERF posts for several years and occasionally comment or post to the site. I'll be 56 in January and DH is 55. I plan to retire within the next 6 - 16 months. DH will retire in May 2016 under FERS. We will be debt free and don't live a lavish lifestyle. Like the majority of you here, we live below our means and should have a comfortable retirement.
I rolled an ER package and 401k from a former employer with a FP in 2004. They did a reasonable job with my portfolio and charged 1% fee. After following posts on this site for several years, I finally got the courage to move my IRA from the FP to a Vanguard IRA in 2009. I've been reading several of the books recommended on this site and just recently read "The Investor's Manifesto". I plan to read it again to make sure I didn't miss any key points. I believe my allocation is pretty good based on my level of comfort with risk and my age. Below is my allocation in Vanguard Admiral funds:
7%Inflation protected securities fund 25%Total Bond Mkt Index Fund 18%Total International Index Fund 38%Total Stock Mkt Index Fund 12%Wellesly Income Fund
59% in stocks and 41% in bonds
This isn't too far off from a recommended portfolio in the book. However, Bernstein recommends short term bonds and I am invested in intermediate term bonds. I feel like this needs my attention wth all the press warning about bond exposure, but I don't want to overreact either. If I'm going to be in bonds - I want to be in the best possible position with bonds.
I'd appreciate any input and feedback.
Thanks!
dog
I've been reading ERF posts for several years and occasionally comment or post to the site. I'll be 56 in January and DH is 55. I plan to retire within the next 6 - 16 months. DH will retire in May 2016 under FERS. We will be debt free and don't live a lavish lifestyle. Like the majority of you here, we live below our means and should have a comfortable retirement.
I rolled an ER package and 401k from a former employer with a FP in 2004. They did a reasonable job with my portfolio and charged 1% fee. After following posts on this site for several years, I finally got the courage to move my IRA from the FP to a Vanguard IRA in 2009. I've been reading several of the books recommended on this site and just recently read "The Investor's Manifesto". I plan to read it again to make sure I didn't miss any key points. I believe my allocation is pretty good based on my level of comfort with risk and my age. Below is my allocation in Vanguard Admiral funds:
7%Inflation protected securities fund 25%Total Bond Mkt Index Fund 18%Total International Index Fund 38%Total Stock Mkt Index Fund 12%Wellesly Income Fund
59% in stocks and 41% in bonds
This isn't too far off from a recommended portfolio in the book. However, Bernstein recommends short term bonds and I am invested in intermediate term bonds. I feel like this needs my attention wth all the press warning about bond exposure, but I don't want to overreact either. If I'm going to be in bonds - I want to be in the best possible position with bonds.
I'd appreciate any input and feedback.
Thanks!
dog