I am currently at 75/25 equities/bonds with market weight US/ex-US for equities. 80% of my Bonds are in BND and 20% in Total International Bond.
My total portfolio is 1.6M. I am 45 years old. I am probably going to shift to 70/30, as this is about 25-30+ times my yearly expenses, and I am still employed. I want to keep my FI status no matter what happens in the market.
My retirement account has the following options:
Vanguard Long Term Bond
Vanguard Inflation Protected (VIPIX) (seems to be the institutional version of VIPSX)
Total Bond Mark
Total International Bond
TIAA Traditional RC
TIAA Traditional RCP
The obvious thing to do would be to stick with BND. I was also considering putting this 5% chunk in TIAA Trad. I realize this could be illiquid, but this would be a small piece of my fixed income/stable value. I could do any re-balancing with my BND when necessary. Thoughts on this? Is a small chunk of TIAA Trad a good thing for diversification? Thnx.
My total portfolio is 1.6M. I am 45 years old. I am probably going to shift to 70/30, as this is about 25-30+ times my yearly expenses, and I am still employed. I want to keep my FI status no matter what happens in the market.
My retirement account has the following options:
Vanguard Long Term Bond
Vanguard Inflation Protected (VIPIX) (seems to be the institutional version of VIPSX)
Total Bond Mark
Total International Bond
TIAA Traditional RC
TIAA Traditional RCP
The obvious thing to do would be to stick with BND. I was also considering putting this 5% chunk in TIAA Trad. I realize this could be illiquid, but this would be a small piece of my fixed income/stable value. I could do any re-balancing with my BND when necessary. Thoughts on this? Is a small chunk of TIAA Trad a good thing for diversification? Thnx.
Statistics: Posted by fourier — Fri Jan 10, 2025 1:56 pm — Replies 0 — Views 66