Personal Finance on Sidechat | Right now about 25% of my Roth IRA is in a target date fund and the rest is in VT. I might sell the TDF and just go full on VT, it’s had much better returns

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Personal Finance 1w

Right now about 25% of my Roth IRA is in a target date fund and the rest is in VT. I might sell the TDF and just go full on VT, it’s had much better returns

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Anonymous 5d

Not a bad idea. If you’re in your early 20’s (i.e. Vanguard 2070), that’s 8.2% of bonds you could easily swap out for the market

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Anonymous

#1 5d

Napkin math. 10yr CAGR VT (Market): 11.16% 10yr CGAR VTBIX (Bonds): 1.7% 100% VT = 11.16% 91.8% VT & 8.2% VTBIX = 10.38%

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Anonymous

#1 5d

Nice 0.78% bump in a theoretical year. Even more in 2025, since VT rn is much higher (14.79% YTD)

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