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Reply to "Asset allocation funds?"
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[quote=Anonymous][quote=Anonymous]The Vanguard Total Index Fund is 98% domestic stocks. Is it really a good idea to invest your retirement savings in that high of a percentage of stocks? Shouldn't there be some balance? [/quote] Portion of allocation to stocks depends only on years to retirement. If you have more than twenty, 98 percent is fine. Now to ease in over a couple of purchases, that's sound. Put 1/2 in now, another quarter in two months regardless of the price, and the final quarter two months after that. If it's up all the way, you will be happy, if it's down after your first purchase, you'll get some at the lower price. Relevant mostly to someone just starting out who may find it hard to live with the belief in long term results if early days bring some lower prices. Not "losses" really, because you didn't sell and are holding for some far off date.[/quote]
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