I'm 34, am about to put some money into my Vanguard Roth and am thinking instead of a target fund, 70% in VBIAX and 30% in VBILX, then gradually shift the ration over time.
Thoughts?
My intention is to keep expenses down and to reap the benefits of long term index investing, from what I can tell they outperform most mutal funds in the long term.
My other thought was to invest in a target fund for my roth and open another account to invest in an Index fund separately, but this seems counter productive. Wouldn't it make more sense to have my all my money working in one place?
Yet I do like the idea of being able to pull funds out of a secondary index fund in case I needed that money before retirement and therefore could avoid penalties for early withdrawl.
Lots of good options from what I can tell, just trying to decide on the best strategy. Any advice would be appreciated.
Submitted June 22, 2019 at 10:00PM by johnranderson11 http://bit.ly/2KwsGAs
