I was thinking vtsax/vti (total stock market) + vtiax/vxus (international stock) + vbtlx/bnd (total bond market) with a ratio of 60:30:10 but I donβt know shit. Please advise.
That's a great strategy. I wouldn't do a Target date fund. Expense ratios are too high. Basic = 100% VTSAX Intermediate: 80-90% VTSAX 10-20% VBTLX My portfolio: 20% VTSAX 20% VTIAX 10% VBTLX 10% Bitcoin 20% peer to peer lending (prosper) 20% private real estate (fundrise.com)
Whatβs your experience with fundrise so far? Hear too much mixed reviews
Where do you keep your vtsax, vtiax, and vbtlx in terms of taxable and tax deferred accounts? Also how did you decide to go for the mutual fund variety over ETFs? I think mfs are good for being able to auto invest in them but I also heard ETFs are more tax efficient.
Sounds about right except bonds. Use vteb or vwitx/vwltx/vmltx for bonds. They are muni bonds, tax efficient.
VTI
I recommend Wealthfront! If you like put some money away every month, itβs hard to do that allocation every time you have 100 or 1000 or 750 dollars to invest. They investment in an portfolio of domestic, foreign, emerging, natural resources and bonds. They charge 0.25% (all automatic free trad3es) and I think its worth it. With tax loss harvesting it works out. I am happy to share my referral link. Gives you and me 5K managed for free.
I would have 0% bonds in taxable accounts. if you want a smoother ride in your 401(k), add some bonds and REIT.
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If you donβt know shit, why not invest in a target fund that targets your retirement age? Asking online for stock advice is not the brightest idea.
I have been doing that. But the point is to learn my shit. Iβve been reading the stuff on the personal finance reddit and boglehead stuff and this is the basic advice Iβve found.
If you want to learn (and lose), open a separate account on a low commission brokerage (Robinhood is great), put a thousand dollars and play. For your long term investments, you are better off sticking to target funds.