Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Re: vanguard target fund
Old 04-25-2005, 11:50 AM   #21
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
cute fuzzy bunny's Avatar
 
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,697
Re: vanguard target fund

Well heck, an easy question...since someone just asked me that a couple of days ago and I still have the PM!

Its about 50% equity, 40% bond and 10% cash and equiv.

taxable

28% wellesley
10% wellington
10% short term bond
10% prime money market
5% high yield corp
3% energy
3% precious metals
3% europe
3% pacific
1.5% gnma

IRA

10% REIT
4% emerging market
3% small cap value
2% international explorer
3% healthcare

Way over-cashed due to just selling my wifes house 2 weeks ago. When I think equities have reached a more reasonable point, I'll commit the $ in the prime money fund into wellesley, wellington or perhaps the ever racy equity income fund (all equity, same managers as wellesley/wellington). If I'm really juiced by lowered valuations, I might even convert some wellesley or wellington into the equity income fund.

Since we're now able to pay the bills and healthcare with my wifes check, I dont need to be so income oriented and conservative...so I may ultimately tip us towards a 70/30 or even 80/20 mix between equity income and short term bond in the taxable portfolio.
__________________

__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
cute fuzzy bunny is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Re: vanguard target fund
Old 04-25-2005, 01:47 PM   #22
Moderator Emeritus
laurence's Avatar
 
Join Date: Feb 2005
Location: San Diego
Posts: 5,234
Re: vanguard target fund

Just curious TH, but why not DCA into the market a little bit at a time (say 5% a month of the cash you'd like to invest). If I remember from another thread you think the bottom is about a year from now, that spreads you over that time period nicely. That way if it rockets up sooner, hey, at least you were part way in. (or if it tanks you haven't put all your eggs in yet).
__________________

__________________
laurence is offline   Reply With Quote
Re: vanguard target fund
Old 04-25-2005, 05:54 PM   #23
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
cute fuzzy bunny's Avatar
 
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,697
Re: vanguard target fund

I could do that but honestly I dont even want to buy a little right now.

I wanna wait for a better deal. Yah, I know, the world is littered with the cast off husks of people who waited for the next correction. If equities werent overpriced by almost any measure and we werent facing continued rising interest rates, I'd be a little more worried about my conservative strategy.

But do remember, we have an income stream that more than satisfies our expenses, and even playing it super conservative theres no way we'll spend all the money we have before we're exceptionally decrepit.

I used to wonder why guys like Bill Gates have such incredibly conservative portfolios when they have so dang much money they can handle a riskier strategy. Simply, they dont have to.

Some day soon I'm quite sure I'll see a price point I can live with and move half my cash into equities. Some time after that I may move the other half.

When prices are more in line, I'll also feel better about indexes and index based life strategy/target retirement type funds.
__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
cute fuzzy bunny is offline   Reply With Quote
Re: vanguard target fund
Old 04-25-2005, 09:44 PM   #24
Moderator Emeritus
laurence's Avatar
 
Join Date: Feb 2005
Location: San Diego
Posts: 5,234
Re: vanguard target fund

Good point, TH. We are in totally different places, financially. Good thing we have the midnight baby feedings to fall back on for conversation!
__________________
laurence is offline   Reply With Quote
Re: vanguard target fund
Old 04-26-2005, 11:37 AM   #25
Recycles dryer sheets
 
Join Date: Jul 2002
Posts: 420
Re: vanguard target fund

I am FI and follow th's train of thought too. Currently about 1/3 in equities, 1/3 fixed income+alternative and 1/3 RE and plan to keep that split far into FIRE unless somebody just offers TOO much for any of my real estate!
__________________
preben is offline   Reply With Quote
Re: vanguard target fund
Old 04-26-2005, 11:49 AM   #26
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
cute fuzzy bunny's Avatar
 
Join Date: Dec 2003
Location: Losing my whump
Posts: 22,697
Re: vanguard target fund

Quote:
Good point, TH. We are in totally different places, financially. Good thing we have the midnight baby feedings to fall back on for conversation!

In fact, it was EXACTLY at midnight last night, then the boy slept until almost 7 this morning. I think I have this down to a science!

And you're right. I have my best conversations with him. I tell him stuff and he smiles and gurgles back. He's becoming quite vocal, zipping out 10-15 second series of sounds. Dont know where he gets that from
__________________

__________________
Be fearful when others are greedy, and greedy when others are fearful. Just another form of "buy low, sell high" for those who have trouble with things. This rule is not universal. Do not buy a 1973 Pinto because everyone else is afraid of it.
cute fuzzy bunny is offline   Reply With Quote
Reply

Tags
vanguard


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
Withdrawals From Target Retirement Type Fund yakers FIRE and Money 14 02-17-2007 08:01 PM
Vanguard Precious Metals Fund ash FIRE and Money 13 05-20-2006 11:56 AM
Vanguard Fund Actions REWahoo FIRE and Money 1 04-20-2006 03:36 PM
Vanguard Adding More Target Retirement Funds Lusitan FIRE and Money 23 03-21-2006 07:17 PM
Vanguard Dividend Appreciation Index Fund ats5g FIRE and Money 5 02-01-2006 07:37 PM

 

 
All times are GMT -6. The time now is 05:19 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2017, vBulletin Solutions, Inc.