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3 fund retirement strategy (self.personalfinance)

submitted 2 weeks ago by root to c/[email protected]

12 comments fedilink hide all child comments

For someone in their 30s, does the following allocations make sense? The goal is to have a fair amount of diversity and to more or less “set it and forget it”

55% VG INST 500 IDX 35% VG INTL STOCK IDX 10% VG TOT BD MKT IDX

I’m wondering if maybe there should be less in International and more in one of the other two, etc

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[–] [email protected] 2 points 2 weeks ago (1 children)

At first glance the only difference is that you’re excluding US small stocks. But I’m neither an expert nor doing anything more than a first impression.

[–] root 1 points 2 weeks ago (1 children)

Ah, good catch! It looks like I have this as an option which may help supplement my S&P 500 choice (Vanguard Extended Market Index Fund).

Thank you for the expert advice :)

[–] [email protected] 2 points 2 weeks ago

I'm a dude playin’ a dude disguised as another dude.