BooBoo
Recycles dryer sheets
- Joined
- Oct 31, 2010
- Messages
- 91
My question is regarding my 88 year old mother’s asset allocation. My DB is very concerned about potential (looming) fall in bonds. Since these funds are in annuities the investment choices are somewhat limited. My primary objective is low risk and to make sure inflation risk is covered (17 % Stock and Inflation Bonds should cover this). These funds are primarily used for discretionary spending (vacations, gifts, extraordinary expenditures). She has enough other income to cover day to living expenses.
All input is greatly appreciated and I thank you advance.
Bonds 82%
Stocks 17%
Cash 1%
Of the bond allocation:
18 % are US Savings Bonds
24 % are Vanguard VVA Short Term investment grade
26 % are Vanguard VVA Bond fund
11 % are Variable annuity that will not be changed
3 % are Vanguard Inflation Protection Bonds
My question is in regards to:
24 % are Vanguard VVA Short Term investment grade
26 % are Vanguard VVA Bond fund
The choices are:
VVA Balanced (0069)
Capital Growth (0603)
Conserv Allocation (0801)
Diversified Value (0145)
Equity Income (0008)
Equity Index (0068)
Growth (0010)
High Yield Bonds (0146)
International (0086)
Mid-Cap Index (0143)
Moderate Allocation (0803)
Money Market (0064)
REIT (0147)
Short-Term Invest-Gr (0144) <<< this is the one already in>>>
Small Company Growth (0160)
Total Bond Index (0667) <<< this is the one already in>>>
Total Stock Market Index (0604)
Move to:
Conserv Allocation (0801) or Moderate Allocation (0803) or Money Market
My take is leave alone, because any move will still have exposure to bonds and more market risk, but I am open to input.
All input is greatly appreciated and I thank you advance.
Bonds 82%
Stocks 17%
Cash 1%
Of the bond allocation:
18 % are US Savings Bonds
24 % are Vanguard VVA Short Term investment grade
26 % are Vanguard VVA Bond fund
11 % are Variable annuity that will not be changed
3 % are Vanguard Inflation Protection Bonds
My question is in regards to:
24 % are Vanguard VVA Short Term investment grade
26 % are Vanguard VVA Bond fund
The choices are:
VVA Balanced (0069)
Capital Growth (0603)
Conserv Allocation (0801)
Diversified Value (0145)
Equity Income (0008)
Equity Index (0068)
Growth (0010)
High Yield Bonds (0146)
International (0086)
Mid-Cap Index (0143)
Moderate Allocation (0803)
Money Market (0064)
REIT (0147)
Short-Term Invest-Gr (0144) <<< this is the one already in>>>
Small Company Growth (0160)
Total Bond Index (0667) <<< this is the one already in>>>
Total Stock Market Index (0604)
Move to:
Conserv Allocation (0801) or Moderate Allocation (0803) or Money Market
My take is leave alone, because any move will still have exposure to bonds and more market risk, but I am open to input.