Hi all, looking for a little advice.
I got into my own personal finances a little late in life. I was mid-30s when I finally got a job that paid me enough to start to save. At that time I did some research and landed on the Bogle system of getting low cost index funds and putting in my money automatically and consistently, and that is what I have done since.
That was 15 years ago and it’s done me pretty well. I have VTSAX and VBTLX and I think my rate of return is about 11%.
Im wondering if the research I did 15 years ago still holds true. Are these still good funds to hold?
My balance is 89% stocks, 11% bonds. Im thinking I should probably lets the bonds share drift upwards now Im in my 50s? Thing with that is, bonds doesn’t seem to return much over time.
Any thoughts on what Im doing? Should I hold the course, or am I missing some opportunity here?
Thanks.
(ps. let me know if theres a better sub to post my question)
Looking for some investing advice updates now I'm 50.
byu/cobra_mk_iii inpersonalfinance
Posted by cobra_mk_iii
2 Comments
You can set and forget in total world for a lifetime. https://www.bogleheads.org/forum/viewtopic.php?t=414923
Presently you’re heavy in bonds (IMO) and zero International Stock
Yes, these are still the best Vanguard funds to hold. I’d make two recommendations for optimization, but what you’re doing is good enough (assuming you have a healthy contribution rate):
1. More exposure to international equities. VTIAX
2. More bonds than you currently have as you enter the final part of your career. Something like 25-30% bonds sounds about right. Higher percentage of VBTLX.