Join Early Retirement Today
Thread Tools Search this Thread Display Modes
Opinions greatly appreciated
Old 01-17-2009, 03:32 AM   #1
Confused about dryer sheets
Join Date: Nov 2008
Posts: 8
Opinions greatly appreciated

I have notified my company that I will retire on 1 April of this year, at 60.5 years of age. My retirement funds, a 401K and company sponsored plan, are both with Vanguard. I took advantage of the Vanguard Financial Planning Service, filled out the questionare and had an interview with a Financial Planner. We both agreed that for me a 30/70 ratio was best and he went about creating a plan. In it he recommended that for Stocks I use VTSAX (17%) VGTSX (7%) and VDEQX (6%). For Bonds, VBMFX (45%) and VBTLX (25%). I'm pretty sure that you on this board will know what the VXXXXX stands your opinion, do these funds seem like a reasonable allocation of my retirement money given the current state of the financial world?
My wife and I just want to head out in our RV beginning in May for cooler summer weather and not have to worry about the stock market.
Thanks for any and all opinions offered!
ljhilljr is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 01-17-2009, 05:10 AM   #2
Thinks s/he gets paid by the post
OAG's Avatar
Join Date: Jun 2006
Location: Central, Ohio, USA
Posts: 2,635
Welcome to the board. I have no suggestions but, I know it will help others on the board to know if you have a Pension COLA'd or not (and DW situation regarding a Pension). Also your plans for SS.

Again Welcome to the Board. Lots of knowledgeable people here!
Vietnam Veteran, CW4 USA, Retired 1979
OAG is offline   Reply With Quote
Old 01-17-2009, 05:29 AM   #3
Confused about dryer sheets
Join Date: Nov 2008
Posts: 8
Thanks OAG, I didn't think to add anything else.....
The Vanguard money is it...I have the option of receiving a monthly non-COLA pension or taking a lump sum amount. Between the 401K and lump sum we'd have just slightly less than 1M. My wife has never worked outside the home and we hope to begin to draw SS at age 62.
Thanks again.
ljhilljr is offline   Reply With Quote
Old 01-17-2009, 09:23 AM   #4
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
dex's Avatar
Join Date: Oct 2003
Posts: 5,105
What is your estimated annual expense budget?
Sometimes death is not as tragic as not knowing how to live. This man knew how to live--and how to make others glad they were living. - Jack Benny at Nat King Cole's funeral
dex is offline   Reply With Quote
Old 01-17-2009, 08:51 PM   #5
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
clifp's Avatar
Join Date: Oct 2006
Posts: 7,607
I like Vanguard advisers they give simple easy to follow advice, with low expense.
I am not sure vdeqx adds to the portfolio. The Morningstar report calls it actively managed version of the Total Stock Market and gives it 2 out 5 stars.

Other than that if the portfolio meets your financial needs it looks fine.
clifp is offline   Reply With Quote

Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off

Similar Threads
Thread Thread Starter Forum Replies Last Post
Four years of diet,exercise greatly improved Insulin Resistance, Pre-Diabetes Machaon Health and Early Retirement 20 12-23-2008 12:35 PM
Neighbor issue - wisdom appreciated! SecondCor521 Other topics 20 08-08-2007 01:31 PM
Opinions, please! Tracy42 Hi, I am... 8 12-04-2006 11:52 AM
EmigrantDirect – Your experiences and opinions appreciated. WyndChym FIRE and Money 57 08-04-2006 11:32 AM

» Quick Links

All times are GMT -6. The time now is 01:21 PM.
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2021, vBulletin Solutions, Inc.