Carpediem
Full time employment: Posting here.
- Joined
- Aug 26, 2016
- Messages
- 770
Warning: Extreme newbie question ahead - The majority of our retirement savings are in a VG tIRA invested in Wellington Admiral index fund (63/35 AA). Now that we're nearing freedom day, I'm thinking I'd like to move to a 50/50 AA. I am thinking about getting out of Wellington and going with Total Stock Market (50%) and Total Bond Market (50%). When is the best time to make this move - when market is up or market is down? In terms of the calendar year, is one time period better than others to make the move?