You guys are right, I am inexperienced in investing. This will be my first time, which is why I'm looking for some guidance! I suppose there is no need to cash out within 5 years, I just like the idea of having flexibility with my money. I suppose at least 10 years is optimal? Taxes on my withdrawal are another concern, what is the tax % if I withdrawal some of the earned dividends?
How does something like a 60/40 stock/bond fund seem?
The VASGX seems a tad risky due to its 80/20 split, maybe I'm wrong though.
The other thing I would like to know is if it is better to invest in an index fund that is declining in value right now, or one that has been on a steady incline.