My 401K allows contributions in the following Vanguard Funds. The funds I am currently invested in are noted with the percentage of the total.
Vanguard Primecap Fund Adm 18.17%
Vanguard Wellesley Inc Adm 23.13%
Vanguard Explorer Fund Adm 11.05%
Vanguard Small-Cap Index
Vanguard Total Bond Mkt Index 6.61%
Vanguard Wellington Admiral 31.36%
Vanguard Internations Gth Adm
Vanguard Extended Market Index
Vanguard Federal Money Market 0.94%
Vanguard 500 Index
Vanguard Morgan Growth Admiral
Vanguard Equity Income Admiral 8.64%
I am anticipating a job loss within a few months. At age 56 I am more concerned today with preserving what I have, so the knee jerk reaction is to move it all to the Vanguard Federal Money Market. This represents about 40% of my retirement savings, with another 40% in CDs and Ibonds, and another 20% in DW IRA. By the way, her IRA is also in Vanguard invested in some of these same funds.
I would appreciate your thoughts. I do not have enough to voluntarily RE on till SS at 62 with what I have accumulated so far. (no health insurance once I lose my job) In this economy it is extremely doubtful that I will be able to find a job, so please consider the best allocation for what I will call a survival mode.
Vanguard Primecap Fund Adm 18.17%
Vanguard Wellesley Inc Adm 23.13%
Vanguard Explorer Fund Adm 11.05%
Vanguard Small-Cap Index
Vanguard Total Bond Mkt Index 6.61%
Vanguard Wellington Admiral 31.36%
Vanguard Internations Gth Adm
Vanguard Extended Market Index
Vanguard Federal Money Market 0.94%
Vanguard 500 Index
Vanguard Morgan Growth Admiral
Vanguard Equity Income Admiral 8.64%
I am anticipating a job loss within a few months. At age 56 I am more concerned today with preserving what I have, so the knee jerk reaction is to move it all to the Vanguard Federal Money Market. This represents about 40% of my retirement savings, with another 40% in CDs and Ibonds, and another 20% in DW IRA. By the way, her IRA is also in Vanguard invested in some of these same funds.
I would appreciate your thoughts. I do not have enough to voluntarily RE on till SS at 62 with what I have accumulated so far. (no health insurance once I lose my job) In this economy it is extremely doubtful that I will be able to find a job, so please consider the best allocation for what I will call a survival mode.