yakers
Thinks s/he gets paid by the post
For 20+ years DW & I have had our Roths in VG 60/40 balanced fund (VBIAX) have been very happy keeping our hands off and having it work for us. Although there are retirement systems that suggest various withdrawals from Roths, TIRAs and taxable accounts these Roth IRAs are our planned inheritance for our two sons, we told them ‘these are the last things we will spend if we have to’ and we expect from our taxable accounts and house that we will not have to spend them. TIRAs have been QCDs so far.
But looking to the future bonds don’t look very promising, while I suspect that they will serve as ‘ballast’ in the balanced fund I hesitate to hold an asset with no return. I do like the idea of one fund, preferably a balanced fund, indexed or managed matters less. DWs TIRA is in VG Wellesley (VWIAX) and although heavy on bonds the management has done a good job so far and we are not inclined to change out that fund.
Would I be better off with Wellington (VWENX) going forward than VBIAX?Any other good single fund that 'should' work better than VBIAX?
But looking to the future bonds don’t look very promising, while I suspect that they will serve as ‘ballast’ in the balanced fund I hesitate to hold an asset with no return. I do like the idea of one fund, preferably a balanced fund, indexed or managed matters less. DWs TIRA is in VG Wellesley (VWIAX) and although heavy on bonds the management has done a good job so far and we are not inclined to change out that fund.
Would I be better off with Wellington (VWENX) going forward than VBIAX?Any other good single fund that 'should' work better than VBIAX?