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93195 t1_j28p8x8 wrote

That’s fine. At some point as you get older, you’ll want to diversify beyond 100% stocks, but okay at 28.

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anshesaid t1_j29bmsz wrote

I agree but I’d consider adding bonds to trad 401k/IRA or other tax deferred accounts.

I take the same approach and have 100% of my Roth IRA in VTWAX. Figured I want the highest growth potential, all stock allocation for tax-free future withdrawals.

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McCallistersFurnace OP t1_j2b462y wrote

Thank you! I have edited my post. Is the general consensus mid-thirties to start thinking about bonds? Maybe 10% bonds?

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93195 t1_j2bb3l2 wrote

At some point, maybe switch over to a target date fund and let them pick the percentage for you. But yes, if you do that in your mid 30s, expect the bond percentage to initially be around 10%, increasing as you get older.

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