I invest only at vanguard and have no intention of going anywhere else for any portion of my portfolio (why?- who can do it better?). I am new to the community here and would like to retire at 50. I am 43 and have managed to try to LBYM. I have saved about 900k for retirement. I am a self employed individual with only 135K of that 900k in tax sheltered investments. I have paid taxes right along on that 765K so my cost basis at that time in this money is right around 765k. I currently am seeking to increase the tax efficiency of the portfolio which right now is about 60/40 Equity/bond ratio. I hold 500k in the Target 2030 fund (out of that 900k). With the 2008 fiasco, and my time horizon being 7 years prior to retirement, hopefully, I am interested in moving to a 70/30 bond to stock ratio and paying minimal taxes. I understand stocks by virtue of their capital gains vs. dividends are more tax favorable and are by virtue of "buy and hold" technically tax deferred if I do not realize a gain by selling them frequently. I again am more inclined to hit the correct assett allocation to be able to sleep at night while provide some measure of "participation" in the stock market. I just would be very dissapointed in a 2008 scenario unfolding in 2015!! when I am a couple of years from retirement
If anybody can give me some general guidance, I would appreciate it. Thanks. Floatingdoc