Throwaway account.
My father gave me about $125k to invest throughout last year and plans to start giving me about $5k or more a month going forward. The money is basically to help put my younger siblings through college and help with clothing and other necessities should something ever happen to him in the future and the funds he leaves behind are not enough. I invested into Vanguard and as of today it is as follows:
VBTLX Vanguard Total Bond: $49k
VTABX Vanguard International Bond: $22.5k
VTIAX Vanguard International Stock: $25.5k
VTSAX Vanguard Total Stock: $42.7k
TOTAL: $139.7k
I'm wondering if this is an acceptable allocation of the funds. I don't mind paying the taxes on the gains and dividends and we're both willing to accept ups and downs in the market since there are a few years before the siblings hit college age if I would even have to use it that soon. I'll also note this is not all of his assets (maybe half of his immediately available cash outside of 401/pension/IRA/529) for the people worried we may be investing all he owns. Thanks in advance.
Edit: I'm also wondering if it would be worth it to enroll in the personal advisor services that Vanguard offers or if it would be a waste of money.
Submitted February 11, 2017 at 02:09PM by Thr0wMeAway1990 http://ift.tt/2l1jLK3
