Hello,
Newbie here who's brand new to investing. I'm planning to purchase a house in 5.5 years (time is flexible) and I started out with a taxable account at Betterment just last week (%0.25 annual fee) but after reading this sub, I may not be on the right path. Betterment currently has me in a 90/10 portfolio:
| Symbol | Description | Percentage |
|---|---|---|
| VTI | Vanguard Total Stock Market ETF | %32.2 |
| VTV | Vanguard Value ETF | %8.6 |
| VOE | Vanguard Mid-Cap Value ETF | %7.3 |
| VBR | Vanguard Small-Cap Value ETF | %6.1 |
| VEA | Vanguard FTSE Developed Markets | %22.7 |
| VWO | Vanguard FTSE Emerging Markets | %13.5 |
| VTIP | Vanguard Short-Term Inflation-Protected Securities ETF | %0.6 |
| AGG | iShares Core Total US Bond Market ETF | %1.1 |
| MUB | iShares National AMT-Free Muni Bond ETF | %3.6 |
| BNDX | Vanguard Total International Bond ETF | %2.8 |
| EMB | iShares Emerging Markets USD Bond ETF | %1.5 |
My plan is doing the following; 1) Open an account with Vanguard. 2) Transfer the assets over. 3) Exchange %100 into VASGX for 2 years. 4) Exchange %100 into VSMGX for 2 years. 5) Exchange %100 into VASIX for 1.5 years 6) Liquidate %100 for the purchase.
Any thoughts/opinions would be greatly appreciated. I'll be contributing on a monthly basis throughout the next 5 years.
Submitted April 12, 2020 at 11:05PM by JustSomeRedditLurker https://ift.tt/3eeWVrb
