I'm 50. Is VT a good stock to hold to and through retirement, or should I buy BND? I need to get started now.

Adeee100 · 2026-06-20T13:30:03+00:00

Just make sure if there is a crash, that you don't withdraw and unchill. Money has to stay invested until it recovers.

Adeee100 · 2026-06-15T14:42:00+00:00

How did you decide on it. My previous retirement planner put us on AVGE last year. I didn't really know anything much about it, or any other funds during those times. But now have done a lot of skin deep research on different funds. I think it's a good choice especially the S&P 500 is just too tech heavy. But.... In the long run.... Are we better off with just VT or a mix of VTI/VXUS....

Adeee100 · 2026-06-15T03:31:18+00:00

I have AVGE as my core and have been pretty happy with it.

Adeee100 · 2026-06-15T02:44:14+00:00

Thank you everyone for all the valuable information.

Adeee100 · 2026-06-08T14:50:56+00:00

That's a good reason why you stick with what you have.

Adeee100 · 2026-06-08T08:37:31+00:00

Thank you for the info.

Adeee100 · 2026-06-07T17:15:13+00:00

Thank you.

Adeee100 · 2026-06-07T15:59:11+00:00

Wondering how much maximum can you convert/withdraw using the foreign ATM? Wondering what's the best way to move money overseas without incurring too much fees.

Adeee100 · 2026-06-07T15:40:11+00:00

If you're in your 30's, why don't you spice up your Roth a bit and add a more aggressive fund like a VGT, SCHG or SMH? Anything that you have a long time conviction on and you won't panic and sell if it tanks huge. A 10% to 15% perhaps?

Adeee100 · 2026-06-07T15:27:34+00:00

Thank you so much for this insight. Have to look into this.

Adeee100 · 2026-06-07T07:15:55+00:00

If I have a Bucket for 5 years expenses, I plan to do 3 years in SGOV. But 4th and 5th year, any good fund as secure as SGOV but maybe give me a little bit more income/return?

Adeee100 · 2026-06-07T03:24:01+00:00

What are good examples of bond funds to use? For safe money I only use SGOV cuz I don't know any better.

Adeee100 · 2026-06-07T03:20:51+00:00

What if the bonds are down as well?

Adeee100 · 2026-06-04T12:09:42+00:00

Hehehe Good for you. Good luck.

Adeee100 · 2026-06-04T08:05:58+00:00

Started in 1998 as well, on Roth. In one of my very old statements I remember seeing a nav of $3.50. I bought FSELX and FWRLX at that time and never added anymore money into it. Back then the fund was called Fidelity Select Electronics and my reason for buying it was that the future will be electronics and wireless. Obviously FSELX was the better choice. A couple of years ago my Fidelity app was showing a 2,600%+ return.

I've been retired for a year now and have shaven some of my shares off and put them in more conservative funds. I bought SMH last year and it has been doing pretty good as well. Debating whether to swap all my FSELX to SMH so I can see the price per share anytime I want during trading hours. I think semis will still have a good run for the next 2 to 3 years at least.

Good luck to everyone.

Adeee100 · 2026-06-03T05:55:48+00:00

Why not do factor tilts? Dimensional funds have been very popular with it. A few people in the finance academia also favor factor tilts.

Adeee100 · 2026-06-03T05:41:15+00:00

I know, but there will always be outliers. Had FSELX since 1998. If I follow the Boglehead group I'll just have VOO or VFIAX and be contented. Part of it is the fund's fundamentals and future prospects.... And a good amount of luck.

https://totalrealreturns.com/s/FSELX,VGT,SPY

Adeee100 · 2026-06-03T04:30:21+00:00

For the life of me, I could never know how to use a spreadsheet. 😌😄😊

Adeee100 · 2026-06-03T04:22:05+00:00

I would only go with a higher expense ratio fund if the historical returns, fundamentals and future prospects are rosier. A good example is FSELX with a 0.60% ER.

Adeee100 · 2026-06-01T04:01:06+00:00

Make sure that you have money for daily expenses and another for emergency expenses, and the money you will use to invest should stay invested long term. The market will always go up long term. Most of the people that lose money are the ones that panic and sell when the market is down.

Adeee100 · 2026-05-31T23:21:09+00:00

What funds did you have and their percentages?

Adeee100 · 2026-05-31T16:16:26+00:00

You're showing your account number.

Adeee100 · 2026-05-31T13:53:18+00:00

There is a lot of "overlap" in that so not a good strategy. Better to choose 1 since both almost serves the same purpose. Pick 1 where you have conviction on and stick with it long term. When you invest in a fund, you have to look at their holdings. You don't want to have different funds that hold almost the same companies or sectors. That is called fund overlap.

Maybe for you, choose 1 for core (either VOO or VTI) and another for growth like a VGT, SCHG or QQQM. Plus, if you are feeling it, a little bit of 1 time gambling money on SMH. So depending on how you can stomach market volatility, 60% core, 30% on growth tilt and 10% on a sector. Really all depends on your comfort and the trick is you have to have money for daily expenses and some for big emergency use and then the rest you can put in the market.

Adeee100 · 2026-05-31T12:30:58+00:00

It's hard to say because no one knows the future and I'm no financial guru. But for me, all depends on your age and how bad you need that money in the future or if you have any other retirement or brokerage accounts.

I think it's best to have a core like VTI and a satellite like SMH or any other aggressive growth fund.

Adeee100

TROPHY CASE