-I am 33, so a long way to go before I retire, just upped my contributions to max for both Roth IRA (approx. $30k value) and 403b (approx. $75k value). I was in the 2050 Target date Vanguard fund in my 403b, but wanted to be 100% stocks given that I have 30ish years to go.
-I decided to allocate to three funds in my 403b (all institutional shares, so ER is low):
50% VINIX, Vanguard index tracking the SP 500 25% VIEIX, Vanguard Extended MKT, mostly small and mid caps 25% VSTNX, Vanguard Tot. International Stock MKT
-My Roth IRA is:
60% Vanguard total Stock mkt 40% Vanguard total international stock (switched from VBR, small cap)
but will rebalance to a similar distribution as my new 403b, maybe slightly less international vs. domestic.
-I have read up quite a bit the past year or so on investing and will rebalance either annually or twice a year.
Does this pass the eye test? I know some of you might suggest bonds, but I have decided to go all stock given my age and risk tolerance. I will revisit bonds in about 15-20 years :-)
Submitted February 17, 2018 at 05:39AM by MyDadIsTheMan http://ift.tt/2o6vsPZ
