SecondCor521
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
I've recently spent some effort trying to do a better job allocating my kids' college funds.
I'd like people's opinions.
To constrain things a bit, assume the following, which is fairly close to my situation:
3 kids
Starting college in 2018, 2019, 2020
4 years of college money saved per kid
Two asset classes being considered: US stocks and US bonds (VTSAX and VBTLX or similar)
If you had to pick a time horizon at which:
Before that time horizon, you would invest in bonds
After that time horizon, you would invest in stocks
What time horizon would you pick?
As an example, if you pick "3 years", that would mean that expenses for college years in 2018, 2019, and 2020 would be in bonds, and expenses for college years 2021 and later would be in stocks. If you pick "1 year", that would mean that expenses for 2018 would be in bonds and expenses for 2019 and later would be in stocks.
Thanks for your votes and input!
I'd like people's opinions.
To constrain things a bit, assume the following, which is fairly close to my situation:
3 kids
Starting college in 2018, 2019, 2020
4 years of college money saved per kid
Two asset classes being considered: US stocks and US bonds (VTSAX and VBTLX or similar)
If you had to pick a time horizon at which:
Before that time horizon, you would invest in bonds
After that time horizon, you would invest in stocks
What time horizon would you pick?
As an example, if you pick "3 years", that would mean that expenses for college years in 2018, 2019, and 2020 would be in bonds, and expenses for college years 2021 and later would be in stocks. If you pick "1 year", that would mean that expenses for 2018 would be in bonds and expenses for 2019 and later would be in stocks.
Thanks for your votes and input!
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