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Hokie360

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


You have about 25% in bonds, which is kind of bond heavy for someone


retiring over 30 years from now. VBINX is 39% bonds, and VWINX is 59% bonds. Compare that to Vanguards Target 2050 fund, which is 90% stocks/10% bonds. So based on that, I would suggest you actually increase the amount you have in stocks, and keep it there for the next 20 years. Of the 75% you have in stocks, you have a 45% US and 30% International. So I would move some of what you have in the VBINX and VWINX to a US stock fund. Is VFINX (S&P 500 Index) a possible choice in your plan?

(In response to this post by MP4VT2004)

Posted: 01/16/2018 at 9:05PM



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Current Thread:
 
  
Ok Lounge, time for you to be my financial advisor... -- MP4VT2004 01/16/2018 8:45PM
  30+ years to retirement? 100% stocks ** -- 133743Hokie 01/17/2018 09:09AM
  Depends on the stocks, and the bonds. -- 133743Hokie 01/17/2018 5:51PM
  110% if you can ** -- No1Hokie 01/17/2018 10:33AM
  This has been my strategy for years -- MrBayAreaHokie 01/17/2018 12:58AM
  Long post for why you should relax and not worry about it -- Synaesthesia 01/16/2018 11:55PM
  Volume is key ** -- HokieDan95 01/17/2018 09:00AM
  CryptoCurrencies seem stable at this moment -- bigbadbird 01/16/2018 9:37PM
  Done. All in on ethereum now. -- MP4VT2004 01/16/2018 9:41PM
  ...Blue Horseshoe loves Anacott Steel ** -- chumley 01/16/2018 9:33PM

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