Author Topic: Everything in one TDF?  (Read 454 times)

akret

  • 5 O'Clock Shadow
  • *
  • Posts: 1
Everything in one TDF?
« on: July 25, 2018, 04:37:20 PM »
Currently I have our IRAs, 401K & brokerage accounts fully into a singular Vanguard TDF. I realize TDFs are diverse by nature, however if I want to branch out a bit what would be the best course of action? Note I'm a lazy investor - set and forget for the most part.

Rob_bob

  • Stubble
  • **
  • Posts: 242
  • Location: Oregon
Re: Everything in one TDF?
« Reply #1 on: July 25, 2018, 06:34:19 PM »
The lazy investor should stay in the TDF.  If you want to change things just to feel busy then think about when the target date is.  Is it the year you actually plan to retire, the year you plan to start taking money out?  Some advisers say the target date should be closer to the day you plan to die since you don't really want your TDF to be all bonds the day you plan to retire because you are going to need growth to keep up with inflation during retirement.

When you have a TDF then start adding stuff around it you are essentially saying you don't believe in the strategy of the TDF manager.