SoReady
Recycles dryer sheets
Hi,
I am 57 and retired recently. I have left my 401(k) with my old employer but now feel it is time to make some adjustments. I want to start with a rollover of my bond allocation which is in LT Bond Fund and ST Bond Fund. For my 401(k) that is all I have available to invest in for bonds, plus TIPS.
So I was thinking of moving all the bond funds to other investments, but struggle with the best choice. This will be 35% of my holdings. I'm currently thinking of spreading it to:
VBIRX VG Short Term Bond IDX (5%)
VSCSX VG Short Term Corp Bond IDX (5%)
VFITX VG Intermediate term treasury(5%)
VFIDX VG Intermediate-Term Investment grade fund(5%)
VWEHX VG High Yield Corporate Fund(5%)
Possibly:
BERIX Berwyn Income Fund (10%)
I am no expert when it comes to bond funds other than I see some loss when the rates go higher. So I am hoping by spreading this around more than what I have in my 401(k) I can reap a bit better return.
Please let me know if my selections are out of wack, or if should I be taking a different direction.
Thanks - Bob
I am 57 and retired recently. I have left my 401(k) with my old employer but now feel it is time to make some adjustments. I want to start with a rollover of my bond allocation which is in LT Bond Fund and ST Bond Fund. For my 401(k) that is all I have available to invest in for bonds, plus TIPS.
So I was thinking of moving all the bond funds to other investments, but struggle with the best choice. This will be 35% of my holdings. I'm currently thinking of spreading it to:
VBIRX VG Short Term Bond IDX (5%)
VSCSX VG Short Term Corp Bond IDX (5%)
VFITX VG Intermediate term treasury(5%)
VFIDX VG Intermediate-Term Investment grade fund(5%)
VWEHX VG High Yield Corporate Fund(5%)
Possibly:
BERIX Berwyn Income Fund (10%)
I am no expert when it comes to bond funds other than I see some loss when the rates go higher. So I am hoping by spreading this around more than what I have in my 401(k) I can reap a bit better return.
Please let me know if my selections are out of wack, or if should I be taking a different direction.
Thanks - Bob