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3 fund retirement strategy (lemmy.world)
submitted 3 weeks ago by root@lemmy.world to c/personalfinance@lemmy.ml
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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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[-] root@lemmy.world 2 points 3 weeks ago

I actually changed mine to 3 fund after discovering the boggleheads post you mentioned a while back. Perhaps I didn’t follow the advice correctly

[-] davel@lemmy.ml 2 points 3 weeks ago

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@lemmy.world 1 points 3 weeks ago

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 :)

this post was submitted on 30 Nov 2024
22 points (100.0% liked)

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