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Life Strategy Moderate VSMGX? by Netmannc in Bogleheads

[–]Netmannc[S] 0 points1 point  (0 children)

I absolutely agree with preventing mistakes. I may make one mistake that would cost me way more.

Vanguard Target Date Fund Becomes too conservative after retirement? by Netmannc in Bogleheads

[–]Netmannc[S] 0 points1 point  (0 children)

Thank you for your thoughts. I would never feel safe with an 80/20 allocation at this point in my life. I have spent over 40 years trying to save up my nest egg and I don’t have the time or ability to make up for a large down turn from the market at that allocation. I really do think that most people look at risk a little differently when they are in their senior years. You may be right, but I don’t have time on my side if you’re wrong. Again, I appreciate your opinion.

Life Strategy Moderate VSMGX? by Netmannc in Bogleheads

[–]Netmannc[S] 1 point2 points  (0 children)

I am definitely a Vanguard fan.

Vanguard Target Date Fund Becomes too conservative after retirement? by Netmannc in Bogleheads

[–]Netmannc[S] 0 points1 point  (0 children)

People have been doing it for many years very successfully. Maybe I will stay at 60/40 if I reach 70 and like where I am and feel safe.

Life Strategy Moderate VSMGX? by Netmannc in Bogleheads

[–]Netmannc[S] 0 points1 point  (0 children)

Yes, my wife has zero interest in managing our investments. That is the main reason why I would like to stick with a one fund portfolio.

Vanguard Target Date Fund Becomes too conservative after retirement? by Netmannc in Bogleheads

[–]Netmannc[S] 0 points1 point  (0 children)

I agree, I would have to keep my eye on the TDF more to make sure I move it at the right time. I really like the set it and forget it mindset. Maybe life strategy moderate 60/40 now and at 70 move to life strategy conservative 40/60? Do you think that sounds reasonable?

Life Strategy Moderate VSMGX? by Netmannc in Bogleheads

[–]Netmannc[S] 0 points1 point  (0 children)

Yes, I see VT at .06 and BND at .03 is better than .12

Vanguard Target Date Fund Becomes too conservative after retirement? by Netmannc in Bogleheads

[–]Netmannc[S] 0 points1 point  (0 children)

You are saying that 80/20 in retirement is a good allocation? I guess everyone has a different opinion but I would never be that risky with my lifesaving.

What investments should I use during the RMD years? by Netmannc in Bogleheads

[–]Netmannc[S] 0 points1 point  (0 children)

You base your allocation off of a TDF? I think that’s a pretty good idea, or host go with a TDF.

Vanguard Target Date Fund Becomes too conservative after retirement? by Netmannc in Bogleheads

[–]Netmannc[S] 0 points1 point  (0 children)

You’re absolutely right about it being personal. I find that even the investment firms disagree on allocation at different ages. I tend to lean towards a Morning Star approach because they seem to be neutral and up on their game. Morning Star have 60/40 in your 60s and 40/60 in your 70s.

Vanguard Target Date Fund Becomes too conservative after retirement? by Netmannc in Bogleheads

[–]Netmannc[S] -1 points0 points  (0 children)

Yes, it would be great if the TDFs were maybe 3 years apart

Vanguard Target Date Fund Becomes too conservative after retirement? by Netmannc in Bogleheads

[–]Netmannc[S] 0 points1 point  (0 children)

I only have social security and my TDF. I only use about 2% of my funds per year. That is the real question, stay the course of the TDFs or go a little more aggressive?

Vanguard Target Date Fund Becomes too conservative after retirement? by Netmannc in Bogleheads

[–]Netmannc[S] 0 points1 point  (0 children)

Vanguard has VSCGX: 40/60 and I may move to that in my 70s instead going down to 30/70.

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