Author Topic: Looking for allocation advice  (Read 579 times)

tdize

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Looking for allocation advice
« on: July 12, 2018, 06:20:16 AM »
I recently opened a tIRA and allocated about 30% to VTI. Not really sure what to do with the rest. any recommendation on bonds or another place where I can allocate that money?

BTW - Late 20's - 90K Job - 240k mortage - 30k in savings

jacoavluha

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Re: Looking for allocation advice
« Reply #1 on: July 12, 2018, 07:16:39 AM »
equities 75-100%, bonds 0-25%
international equities 0-50% of your overall equities allocation
use VTI, VXUS, and BND

RWD

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Re: Looking for allocation advice
« Reply #2 on: July 12, 2018, 07:40:00 AM »
Have you read the stock series yet?
http://jlcollinsnh.com/stock-series/

I'd probably recommend 100% VTI until you have significantly more to invest.

Rob_bob

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Re: Looking for allocation advice
« Reply #3 on: July 12, 2018, 03:18:57 PM »
At your age and if you want to keep it simple then say around 75% VTI and 25% VEU, all world ex USA.  Or you could ad some VO mid cap blend and/or some VB small cap blend.

Mighty-Dollar

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Re: Looking for allocation advice
« Reply #4 on: July 13, 2018, 01:42:28 AM »
80% total stock market index fund
20% total bond market index fund
You need to study past performance in order to make an educated decision about allocation ratio...
https://www.youtube.com/watch?v=opNohVglLX0
https://www.youtube.com/watch?v=ZOXu2cu7ZUw

MDM

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Re: Looking for allocation advice
« Reply #5 on: July 13, 2018, 09:14:17 AM »
See three-fund portfolio and links therein for some suggestions.

MustacheAndaHalf

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Re: Looking for allocation advice
« Reply #6 on: July 14, 2018, 03:03:14 AM »
Imitate Vanguard and Fidelity: their target date funds allocate 10% to bonds when retirement is far away.