Recently I read about diversifying one’s IRA into 80% VTSAX (stock index) and 20% VTBNX (bond index), which i thought was a good mix.
25% of my retirement investment in old company’s pension fund (which grows at a minimum of 3.79%, or the 30 T-Bill - whichever is greater) and 75% a myriad of Lifepaths/S&P500/Small-Medium-Lager Cap/ Int’l/Company Stock in 401k, tIRA, and Roth IRA. I am also thinking to consolidate these into a representative stock index.
A bit more info about my current situation: Semi-retired, Married, 45M/42F Adult child who is independent. Looking to either Lean/Regular/Fat - FIRE in 3/5/10years respectively. Depends how we are feeling at the time. Half of our retirement investments are in real estate as well.
Questions:
1). Should I keep the pension at my old company (in a Trust) with guaranteed minimum growth of 3.79%, or move it into a bond index (VTBNX)?
2) Should I consolidate my 10 different indexes/company stock to a single stock heavy index (i.e. S&P500/VTSAX/VTI)? If so, which one(s)?
Thank you!
Submitted May 16, 2019 at 07:50PM by 1234puppies http://bit.ly/2LLFnJ2
