Long Term Investing & Retirement: The second best time is now

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The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Long Term Investing & Retirement: The second best time is now

Zeus: Oct 15, 2003

I still young and wanted to know what you guys thought of my allocation. I've decided to invest in ETFs because I am getting cheap trades and the expense ratios are low.

code:

70%   Stocks
22.5% Bonds/TIPS
7.5%  Real Estate

45%   (VTI) Vanguard Total Market ETF
25%   (VEU) Vanguard FTSE All World ex US ETF
12.5% (BND) Vanguard Total Bond Market ETF
10%   (TIP) iShares Barclays TIPS Bond ETF
7.5%  (VNQ) Vanguard REIT Index ETF

I am having trouble deciding on stock/bonds allocation because it seems in the books couple of books I've read the recommended exposure to bonds is somewhat high compared to what I have been seeing recently. The Vanguard Target Retirement 2050 Fund has 90% of its assets in stock and only 10% in bonds. Any feedback would be helpful, thanks.

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The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Long Term Investing & Retirement: The second best time is now