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#1
03-21-2007, 04:35 PM
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 Re: Distributing IRA Money On Mar 20, 12:22 pm, mattfee...[at]gmail.com wrote: - quote - > We currently have $50,000 in our Vanguard IRAs, 100% of which is
This is a good start. You can bump up the international even more.> invested in the Vanguard S&P Index fund (VFINX). We are considering > redistributing the money to have 80% in the Vanguard Total Market > Index fund (VTSMX) and 20% in the Vanguard Total International Stock > Index fund (VGTSX). I've seen plenty of studies that show improved risk:reward ratios at 35%-50% international (variation is from the index used and the timeframe). My own target is to get to 50% US, 35% International Developed Markets, 15% Emerging Markets. - quote - > First, will this be a good distribution of our IRA money. Second,
Personally, I think you should do it all at once. If you were going> when moving this much money between funds, should we do it all at once > or schedule it out over time? I don't believe we will be charged any > fees by Vanguard for moving the money between funds. from a big lumpsum in cash or bonds, spreading it out over 2 or 3 years is a good idea in order to sleep good at night. But the S&P500 is at pretty lofty heights and moving away from 100% large caps asap is a good idea. |
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03-20-2007, 10:01 PM
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| Re: Distributing IRA Money <mattfeeney[at]gmail.com> wrote in message news:1174417684.331297.76960[at]e1g2000hsg.googlegroups.com... - quote - > We currently have $50,000 in our Vanguard IRAs, 100% of which is
If you are considering VGTSX, you might also want to consider their brand> invested in the Vanguard S&P Index fund (VFINX). We are considering > redistributing the money to have 80% in the Vanguard Total Market > Index fund (VTSMX) and 20% in the Vanguard Total International Stock > Index fund (VGTSX). new fund VFWIX, which includes Canada. |
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#-1
03-20-2007, 07:22 PM
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| Distributing IRA Money We currently have $50,000 in our Vanguard IRAs, 100% of which is invested in the Vanguard S&P Index fund (VFINX). We are considering redistributing the money to have 80% in the Vanguard Total Market Index fund (VTSMX) and 20% in the Vanguard Total International Stock Index fund (VGTSX). First, will this be a good distribution of our IRA money. Second, when moving this much money between funds, should we do it all at once or schedule it out over time? I don't believe we will be charged any fees by Vanguard for moving the money between funds. |
| Tags |
| distributing, ira, money |
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