Roth ira total stock market

How Long Can I Make Contributions to My Roth IRA? -- The Motley Fool

Do NOT make a post asking for advice, that belongs as a comment in the "Daily advice thread". Keep discussions civil, informative and polite. Off topic comments, attacks or insults will not be tolerated. Strictly no promotional threads.

Do not post your app, tool, blog, event, etc. A hedge fund analyst explains his stock research process. Full of excellent links to videos, articles, and books. I know most people include a mix of different funds. But, here are my reasons why I want to focus on just the total stock market fund:. I recently started my career and finally am eligible for a K.

I put all my K into a Target Retirement fund. So, at least part of my portfolio is balanced. Glad to see someone else thinks the same as me. I'm not quite sure about that.

Does it mean that everyone should include bond at some point? I wonder if I need to consider a bonds fund later on I mean, you do have some exposure to bonds already in you target retirement fund. Maybe not as much as some people here would recommend, but you do have some.

How to Open a Roth IRA Account: 11 Steps (with Pictures) - wikiHow

You're young, and not going to be touching this money for a very long time. You don't need your retirement savings tomorrow. Over long enough time periods, the stocks have always recovered and outperformed bonds. Now, is it possible that in the future we could have a 50 year depression? It's possible we could be on the losing end of a great war too.

Both events would literally be unprecedented in this country's history. As you start to get older, and you are planning to retire in a few years such that the market might not recover from a crash before you were planning to retire, then yeah, it makes sense to move more into bonds.

There are various "rules" that people have come up with for how much of your retirement should be in bonds based on how old you are and when you plan to retire, but there's no single "right" answer. That is a complex question.

Lots of people should but it really depends on your personalizes and time horoxons. Yes, put it all in vtsmx so when you finally invest you can move it all into vtsax which is the same fund but with a lower expense ratio. That's how a lot of Bogleheads feel.

I seriously worry about the staying power of young investors if there's a downturn in the coming years. There's also a table I made on that page, which compares a 3-fund portfolio with vs. It shows that at least in the past 15 years, the downside of not including bond has been significantly bigger than the upside of having a more aggressive portfolio. When you can live off the dividends VTSAX provides you are financially free.

Actually a bit sooner. Sometimes this will be higher, sometimes lower. Anytime you can live off it you are financially independent. Use of this site constitutes acceptance of our User Agreement and Privacy Policy. By signing up, you agree to our Terms and that you have read our Privacy Policy and Content Policy. Log in or sign up in seconds.

Vanguard - The Vanguard Group

Submit a new text post. Discuss news items relevant to investors 2. Share investment ideas and insights 3. WSJ guide on how to pick a financial planner Why we recommend Vanguard Compare brokers. Barron's Online-Broker Review Should I invest a lump-sum, or wait?

This has been asked and answered many times in the past. Use the search function or check out this , this , this , this , this or this thread. Useful Online Resources A guide to stock research!

You are responsible for your own investment decisions.

Please consult with a registered investment advisor before making any investment decision. Given that index fund returns will likely be higher, I'm thinking of taking the loan and investing the money. Is there a downside I'm not thinking of? All questions about your personal situation should be asked here.

It's moronic Monday, the Wednesday edition, your chance to ask any of those questions that you're embarrassed to ask in real life. This is an archived post.

Roth IRA

You won't be able to vote or comment. But, here are my reasons why I want to focus on just the total stock market fund: I can later add a bond fund and international fund if I want.

Is there something else I should consider? I will present two conflicting points of view for OP or others to judge: Posts are automatically archived after 6 months.