Retirement 2025/2040
- Thread starter geeman
- Start date
yakers
Thinks s/he gets paid by the post
Re: Retirement 2035/2045
There is no perfect answer. The Vanguard funds are fairly conservative. I expect I would use the 2035 for my purposes but I am 54 and have a pension. You have to look at your circumstances and preferred asset allocation. All the funds are decent ones.
There is no perfect answer. The Vanguard funds are fairly conservative. I expect I would use the 2035 for my purposes but I am 54 and have a pension. You have to look at your circumstances and preferred asset allocation. All the funds are decent ones.
cute fuzzy bunny
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Agreed. I'm surprised at how conservative the longer run vanguard funds are, but then again their main tenet, backed up by historic data, is that all ya need is some tsm or s&p500 and slip slowly into bonds. Foreign is fun but not much needed and everything else is hoo hah.
maddythebeagle
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I have always invested in index funds, but from what I read, the vanguard actively managed funds are "less evil" than the average active mf.
I would look at expenses and turnover, stocks in the port. and long term perf. I guess I figure this is all too much work and index.
I would look at expenses and turnover, stocks in the port. and long term perf. I guess I figure this is all too much work and index.
yakers
Thinks s/he gets paid by the post
Vanguard does have some good actively managed funds. I am mostly indexed in that my Govt retirement (TSP) system is mostly indexed. But my Roth is in Vanguard Asset Allocation (VAAPX) and I really like this fund, it suits my investment attitude in that whenever I start to figure its time to shift between stocks and bonds I notice they have already just moved in that direction. Now my orientation could be wrong but their investment approach is just what I would do.
There are a good number of indexed funds, managed funds, fund of funds and target funds just pick one or more and keep to a plan and it will probably work. A good fund with low costs and a long time is almost certain to work. Lots of people lose lots of money on high costs and getting in and out at the wrong times.
There are a good number of indexed funds, managed funds, fund of funds and target funds just pick one or more and keep to a plan and it will probably work. A good fund with low costs and a long time is almost certain to work. Lots of people lose lots of money on high costs and getting in and out at the wrong times.
yakers
Thinks s/he gets paid by the post
geeman said:
No, I am saying that it is a better fund for me. I feel comfortable with it and it fits into my other financial elements. I would recommend it for a lot of folks as it has decent returns a less volitility than the S&P500 but I have found a number of interesting funds from Vanguard and other places (Fidelity, Dodge & Cox) but I started with VAAPX and it worked and I see no reason to get rid of it now.
My wife will be retiring next year and I expect to roll her 403b funds into a Vanguard 2025 or 2035 fund as I think it would work well enough with her partially COLAd pension, so she needs less bonds IMHO. But I will keep out Roths in VAAPX. I like all my holdings now except I am late to learning about REITs and I want to have some except I am not willing to buy them now. Oh, I also have a few ibonds because of inflation concerns.
Long answer to a simple question. Just saying I found a fund I personally really like (like some like Windsor of Wellsley) but I am not saying it is for everyone.
DODIX is more or less and intermediate term bond fund, comparable to Vanguard's Vanguard Total Bond Market Index Fund [VBMFX].
DODIX holds Treasuries, Corporates, and Mortgage bonds. Its expense ratio is 0.44%, which is quite good.
- Alec
DODIX holds Treasuries, Corporates, and Mortgage bonds. Its expense ratio is 0.44%, which is quite good.
- Alec
geeman; you probably need to study this subject a bit more before deciding on a specific fund.
But with your time horizon it does not make sense not to get exposure to equity also. Dodge and Cox have a good balanced fund DODBX (meaning holds both equities and bonds) as does Vanguard (VBINX) and others.
Cheers!
But with your time horizon it does not make sense not to get exposure to equity also. Dodge and Cox have a good balanced fund DODBX (meaning holds both equities and bonds) as does Vanguard (VBINX) and others.
Cheers!
REWahoo
Give me a museum and I'll fill it. (Picasso) Give
ben said:
D&C Balanced has been one of my core holdings for years and has performed very well. Unfortunately for geeman, it is closed to new investors.
REW
Yeah, I was looking at the D&C balanced fund, too bad it's closed. I wonder if Vanguard (VBINX) would treat me well over the next 30 years.
I do also have:
T Rowe Price:
Mid-Cap Value
New Asia
Retirement 2040
Real Estate
Vanguard (Roth IRA):
Vanguard 500 Index Fund Investor Shares
I do also have:
T Rowe Price:
Mid-Cap Value
New Asia
Retirement 2040
Real Estate
Vanguard (Roth IRA):
Vanguard 500 Index Fund Investor Shares
