PennStateCLJ
Dryer sheet aficionado
I would read the Boglehead's Guide to Investing by Larimore et al and All About Asset Allocation by Rick Ferri.
The short answer is the most important factor is your ratio of stocks/bonds which controls risk. John Bogle preferred age in bonds, but that's just a general guide and you can adjust based on your own risk tolerance. It might behoove you to stat at 50/50 stocks/bonds and see how you feel through a couple of market swings.
Within the stocks and bonds it really doesn't need to get too complicated, this is just an example, you can choose your own percentages. Admiral shares wherever you can.
Bonds-
half in total bond market index
half in TIPS Treasury Inflation Protected securities
Stocks-
half in total stock market index
half in total international stock index
This assumes it's all within tax advantaged accounts. If that's not the case, you would want to hold bonds in tax-advantaged accounts like IRAs,401ks. The stocks are pretty tax-efficient and could go in a taxable account.
The short answer is the most important factor is your ratio of stocks/bonds which controls risk. John Bogle preferred age in bonds, but that's just a general guide and you can adjust based on your own risk tolerance. It might behoove you to stat at 50/50 stocks/bonds and see how you feel through a couple of market swings.
Within the stocks and bonds it really doesn't need to get too complicated, this is just an example, you can choose your own percentages. Admiral shares wherever you can.
Bonds-
half in total bond market index
half in TIPS Treasury Inflation Protected securities
Stocks-
half in total stock market index
half in total international stock index
This assumes it's all within tax advantaged accounts. If that's not the case, you would want to hold bonds in tax-advantaged accounts like IRAs,401ks. The stocks are pretty tax-efficient and could go in a taxable account.