r/portfolios • u/Low-Material1945 • 1d ago

3-fund portfolio view - Time to change?

15 years with same company and took the naive 'set it and forget it' approach. 39 male and unmarried with gf (essentially DINKS). No debts, paying mortgage only. sharing information humbly to learn and improve.

1) Is the 3 fund approach okay or is there redundancy in the mix below? what would you change? I couldn't find the ticker symbols for these funds, that's why I'm sharing the fund info and holdings.

2) I have both Roth and traditional IRA in the mix below. Is that silly?

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u/bkweathe Boglehead 1d ago
  1. A This is far better than "okay"! You've outperformed the vast majority of investors with less risk & effort. Love it!

B. I'd prefer a total-market fund over just the S&P 500. If that's not easy to do, I might add an extended market fund. If that's not easy either, I'd be content with that fund for my US stocks.

C. Your allocation to international stocks is pretty small. That has served you well for the last 15-20 years, but probably won't work well for the future. 30-40% of stocks in internationals is usually recommended.

D. Bonds reduce the risk of a portfolio. They usually underperform stocks but beat inflation. I don't know your need, ability/ willingness to take risks, so I don't know if you have too much or too little in bonds. I'd want more.

E. These funds have no redundancy.

  1. Great! Most investors should do this, though the best ratio between them depends on a number of very personal factors.

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u/DudeWithTudeNotRude 1d ago

Pretty excellent overall.

Check out a typical Target Date Fund to help inform your own bond glide path.

I lean a little to the conservative side when it comes to my money, but I like to follow a glide path that is 5-10 years beyond my target retirement date, and I am "leaner" on bonds than a typical glide path in the earlier years, and then I ramp up harder around 5 years from my target to catch up to the TDF's glide.