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Should I be investing elsewhere or am I good with these?
Posted on 1/8/23 at 5:57 pm
Posted on 1/8/23 at 5:57 pm
I've had VFIAX and FWUSX in my Roth IRA for around 10 years now and in my 401k I am solely in SWPPX. I've done well with those investments but I'm always second guessing myself.
I'm 37 years old and would like to retire early at 59 1/2 using my Roth IRA until age 65 then start collecting social security. My wife's retirement is through TRSL with the school system and will have roughly $45,000 a year in retirement from her pension.
I max out my IRA and have been putting 15% of each check into my 401k but I just increased it to 20%. I am ok with risk as long as it's not cryptocurrency-level of risk
. I can stomach a few 20%-30% down years in order to have majority 10% return years with a few 30% return years thrown in there.
Are my current investments where I should be or should I switch to something else? I've thought about Vanguard's Robo Investor deal they've got but if I do that, I'd have to agree to get rid of my existing shares and convert it all over to what they want me to invest in, which would've been great to do at the beginning but I'm too far in on my current investments to "start over" so to speak. What's the board's opinion here? Am I selling myself short on my investment choices or should I just keep on keeping on?
I'm 37 years old and would like to retire early at 59 1/2 using my Roth IRA until age 65 then start collecting social security. My wife's retirement is through TRSL with the school system and will have roughly $45,000 a year in retirement from her pension.
I max out my IRA and have been putting 15% of each check into my 401k but I just increased it to 20%. I am ok with risk as long as it's not cryptocurrency-level of risk
. I can stomach a few 20%-30% down years in order to have majority 10% return years with a few 30% return years thrown in there. Are my current investments where I should be or should I switch to something else? I've thought about Vanguard's Robo Investor deal they've got but if I do that, I'd have to agree to get rid of my existing shares and convert it all over to what they want me to invest in, which would've been great to do at the beginning but I'm too far in on my current investments to "start over" so to speak. What's the board's opinion here? Am I selling myself short on my investment choices or should I just keep on keeping on?
3
Posted on 1/8/23 at 6:30 pm to TDsngumbo
Well, what's your 10 year average annual return?
Compare it to the S&P.
Based on how much you're able to save and the fact that you'll have a pension through TRSL, I think you're over thinking it.
You should have a few million plus the pension.
Compare it to the S&P.
Based on how much you're able to save and the fact that you'll have a pension through TRSL, I think you're over thinking it.
You should have a few million plus the pension.
Posted on 1/8/23 at 6:44 pm to TDsngumbo
I’m 32, I do this
75% total stock market or sp500
25% international
It seems yours is good but you don’t have any international funds, some people say sp500 is enough international exposure anyways, your choice.
Look for low expense ratio funds and minimal overlap. Your two in your Roth IRA seem to have a good amount of overlap and your second fun has a .37% ER which isn’t bad but why have the expense if you don’t need it
75% total stock market or sp500
25% international
It seems yours is good but you don’t have any international funds, some people say sp500 is enough international exposure anyways, your choice.
Look for low expense ratio funds and minimal overlap. Your two in your Roth IRA seem to have a good amount of overlap and your second fun has a .37% ER which isn’t bad but why have the expense if you don’t need it
Posted on 1/8/23 at 7:54 pm to TDsngumbo
be sure and put a healthy amount into speculative lithium stocks like the rest of us
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