I FIREd about 5 years ago and am reviewing my Asset Allocation Plan. I use 4 simple broad funds in my brokerage account and Vanguard Target Retirement 2035 Fund (VTTHX) in my various IRAs (Rollover, SEP and ROTH). I've been very happy with the simple portfolio and automatic rebalancing of the target date fund. My SWR from Brokerage and Rental property income covers our expenses, but plan to start drawing from the IRA in about 10 years.
My question is around the Target Retirement fund. I selected 2035 because that would be about my 'traditional' retirement age. But I feel I should be more conservative with this money since it is 'locked up' until I can begin making withdrawals and I'm not in the accumulation phase as someone with 15+ more years of w*rk.
Should I continue to use 2035 as the target? Maybe move to an early target (59 1/2)? Or move all the way to the Target Retirement Income Fund with its landing AA of 30/70 that Vanguard uses for all Target Date funds?
How do you handle investing funds that are unavailable during the early years of your retirement?
My question is around the Target Retirement fund. I selected 2035 because that would be about my 'traditional' retirement age. But I feel I should be more conservative with this money since it is 'locked up' until I can begin making withdrawals and I'm not in the accumulation phase as someone with 15+ more years of w*rk.
Should I continue to use 2035 as the target? Maybe move to an early target (59 1/2)? Or move all the way to the Target Retirement Income Fund with its landing AA of 30/70 that Vanguard uses for all Target Date funds?
How do you handle investing funds that are unavailable during the early years of your retirement?