The Money Mustache Community

Learning, Sharing, and Teaching => Investor Alley => Topic started by: tdize on July 12, 2018, 06:20:16 AM

Title: Looking for allocation advice
Post by: tdize 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
Title: Re: Looking for allocation advice
Post by: jacoavluha 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
Title: Re: Looking for allocation advice
Post by: RWD 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.
Title: Re: Looking for allocation advice
Post by: Rob_bob 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.
Title: Re: Looking for allocation advice
Post by: Mighty-Dollar 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
Title: Re: Looking for allocation advice
Post by: MDM on July 13, 2018, 09:14:17 AM
See three-fund portfolio (https://www.bogleheads.org/wiki/Three-fund_portfolio) and links therein for some suggestions.
Title: Re: Looking for allocation advice
Post by: MustacheAndaHalf 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.