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I'm technically not really in pure index funds, I just wanted to avoid trying to complicate my thoughts. Nearly all of my investments are in VFORX or Schwab's
by rootusrootus 4mo ago
I'm technically not really in pure index funds, I just wanted to avoid trying to complicate my thoughts. Nearly all of my investments are in VFORX or Schwab's equivalent, and have been for a long time. So they are really composed of total market funds, bonds, etc, and Vanguard changes the ratio a bit as 2036 approaches. So while not really an index fund, from my perspective as a lay investor I treat it like that and consider myself an honorary Boglehead. I just put money in and forget about it.
- throwaway2037 4mo agoI looked at the fund (VFORX) here: https://investor.vanguard.com/investment-products/mutual-funds/profile/vforx https://investor.vanguard.com/investment-products/mutual-fun... It looks excellent for your needs, and have an incredibly low expensive ratio of 8bps(!). Currently, it is 75% stocks, and 25% bonds. Don't worry about a bubble in the stock market. EDIT (after reading many, many more negative comments below): The problem with discussing your investments online, there are a million negative replies. No one ever says: "Yeah, looks pretty good. Leave it alone." I'm here to be that guy.
- rootusrootus 4mo ago> I'm here to be that guy. I really appreciate when someone chooses to be that guy.