retiredatfifty
Recycles dryer sheets
- Joined
- Jun 23, 2011
- Messages
- 81
Have approximately 75k currently in Vanguard Money Market representing about 15% of our investable funds (the rest is in Federal TSP)
Do not expect to be needing any of this money for 10 to 20 years (hopefully) and we have our cash emergency fund separate at our credit union.
Was recently reading an article that suggested the following allocation:
What think the esteemed members of this forum of this allocation & opinions on whether to move this all at once or to DCA ... and if DCA what schedule?
I will also be looking to re-allocate in a complementary manner my TSP monies (currently in the G & C funds) among different TSP funds.
Situation: I receive a healthy Federal pension with health insurance through FEHBP and take 72t life-expectancy withdrawals from TSP. Own home, zero debt & 1 child who is paying her own college through two full academic scholarships. Neither self nor DW are employed and hope not to ever be again. No major illnesses or disabilities. Moderate cost-of-living area.
Thanks in advance for anyone's thoughts.
Do not expect to be needing any of this money for 10 to 20 years (hopefully) and we have our cash emergency fund separate at our credit union.
Was recently reading an article that suggested the following allocation:
- 50%: Vanguard 500 Index Fund Admiral Shares (VFIAX)
- 20%: Vanguard Mid-Cap Index Admiral Shares (VIMAX)
- 10%: Vanguard FTSE All-World ex-US Small-Cap ETF (VSS)
- 10%: Vanguard Short-Term Government Bond ETF (VGSH)
- 10%: Vanguard Consumer Staples ETF (VDC)
What think the esteemed members of this forum of this allocation & opinions on whether to move this all at once or to DCA ... and if DCA what schedule?
I will also be looking to re-allocate in a complementary manner my TSP monies (currently in the G & C funds) among different TSP funds.
Situation: I receive a healthy Federal pension with health insurance through FEHBP and take 72t life-expectancy withdrawals from TSP. Own home, zero debt & 1 child who is paying her own college through two full academic scholarships. Neither self nor DW are employed and hope not to ever be again. No major illnesses or disabilities. Moderate cost-of-living area.
Thanks in advance for anyone's thoughts.
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