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?
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In response to this post by MP4VT2004)
Posted: 01/16/2018 at 9:05PM