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Hokie360

Joined: 08/26/2006 Posts: 17911
Likes: 7206

What's this?

A couple of things. Just for reference, Vanguards 2020 fund, (for someone


retiring in 2020), the current mix is 48.98% stock, 49.49% bonds and 1.53% cash.

Instead of thinking about "retirement" as one big chunk, think about it in 5 or ten year increments. So may make sure your first 5 years is in a safe investment. The next 5 years is still 12 years away (5+7), so you can be more aggressive. Even the stock portion can be broken up, so that maybe a portion of it is in a high dividend yield fund that throw off 3% or more in dividends.

(In response to this post by vt90)

Posted: 08/06/2020 at 10:09AM


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Current Thread:
 
  Piggy-backing on Elberto's stock post ... I am now under 7 years until -- vt90 08/06/2020 09:58AM
  So if you aren't in equities now you might as well put it under your bed. ** -- UTPr0sim 08/06/2020 9:33PM
  Never get out of the stock market -- MrBayAreaHokie 08/06/2020 1:52PM
  Another way to look at it -- what level of return do you need in retirement -- Hoke 08/06/2020 12:37PM
  I'm three years into retirement and still at 70%, might go higher -- Hokerer 08/06/2020 11:54AM
  I have 99.9% in stocks but then I'm also 36. ** -- ElbertoHokie 08/06/2020 1:13PM
  I AM retired and have been 85% equities the whole time. Dividends replace -- 133743Hokie 08/06/2020 11:33AM
  Ditto; 55-60% but I am closer to retirement than you -- WestyHokie 08/06/2020 11:22AM
  Westy - you staying in Colorado or moving elsewhere? -- Wo xin Hokie 08/06/2020 11:47AM
  Elsewhere, for the same reason you cite -- WestyHokie 08/06/2020 1:10PM
  Yeah - I've heard the most likely "compromise" related to their -- Hokie360 08/06/2020 11:33AM
  Except ... -- vt90 08/06/2020 12:09PM
  Yeah - wasn't trying to start a debate about all the ways they could damage -- Hokie360 08/06/2020 12:51PM
  That would be good for me as well. ** -- vt90 08/06/2020 12:52PM
  That will crater our economy. ** -- EDGEMAN 08/06/2020 12:26PM
  Do you have a budget? -- `lag 08/06/2020 10:20AM
  How u paying for healthcare in retirement? ** -- FfxStationHokie 08/06/2020 10:19AM
  I am in similar situation, hoping to be a bit closer to retirement -- Wo xin Hokie 08/06/2020 10:19AM
  A couple of things. Just for reference, Vanguards 2020 fund, (for someone -- Hokie360 08/06/2020 10:09AM
  Posted same without reading this first - agree with your points on time -- Wo xin Hokie 08/06/2020 10:20AM
  Good points ... I also looked at how the 529 fund for my daughter's college -- vt90 08/06/2020 10:18AM
  That’s good advice. ** -- RoswellGAHokie 08/06/2020 10:14AM
  I would hold on equities, but that's just me. -- EDGEMAN 08/06/2020 10:07AM
  I could make a case 70% equities is still a bit low -- Tafkam Hokie 08/06/2020 10:06AM
  On average market doubles every 7 years -- HokieForever 08/06/2020 10:03AM

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