Greetings,
26 yr old military guy here. Recently moved from American Funds to Vanguard for the low costs. My American Funds investments were set up by an investment advisor and I tried my best to mirror them when I moved to Vanguard. I haven't been very impressed with my performance over the past 6 months and wondered if anyone could offer illumination.
Non-retirement
Van. Total Stock Market (VTSAX) - $14,500 (15% of investments)
Van. Intl. Explorer Fund (VINEX) - $2,700 (3%)
Van. Small-Cap Index (NAESX) - $3,000 (3%)
Van. Long-Term Bond (VBLTX) - $6,700 (7%)
Van. Inflation-Protected Securities (VIPSX) - $6,000 (6%)
Total: $32,900
Retirement
Van. Target Retirement 2045 (VTIVX) - $47,000 (49%)
Thrift Savings Plan (Govt 401k) - $16,700 (17%)
Total: $63,700
Stocks - 77%
Bonds - 23%
Cash
Savings Account - $21,500
Checking - $1,000
Total: $22,500
Debt
Car (2.25%) - $17,000
Loan (0.5%) - $12,000
Total: $29,000
Assets: $119,000
Net Worth: $90,000
I can elaborate allocations if need be.
Thanks in advance for any help!
26 yr old military guy here. Recently moved from American Funds to Vanguard for the low costs. My American Funds investments were set up by an investment advisor and I tried my best to mirror them when I moved to Vanguard. I haven't been very impressed with my performance over the past 6 months and wondered if anyone could offer illumination.
Non-retirement
Van. Total Stock Market (VTSAX) - $14,500 (15% of investments)
Van. Intl. Explorer Fund (VINEX) - $2,700 (3%)
Van. Small-Cap Index (NAESX) - $3,000 (3%)
Van. Long-Term Bond (VBLTX) - $6,700 (7%)
Van. Inflation-Protected Securities (VIPSX) - $6,000 (6%)
Total: $32,900
Retirement
Van. Target Retirement 2045 (VTIVX) - $47,000 (49%)
Thrift Savings Plan (Govt 401k) - $16,700 (17%)
Total: $63,700
Stocks - 77%
Bonds - 23%
Cash
Savings Account - $21,500
Checking - $1,000
Total: $22,500
Debt
Car (2.25%) - $17,000
Loan (0.5%) - $12,000
Total: $29,000
Assets: $119,000
Net Worth: $90,000
I can elaborate allocations if need be.
Thanks in advance for any help!