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Reply to "Mutual Funds - Vanguard - Investing"
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[quote=Anonymous]No one knows what your returns are going to be, or even what they are likely to be. If you're not currently contributing to an IRA, it's a fine place to start. Since you don't seem to have a definite time frame for when you want to buy a house, a 70/30 Stock/Bond allocation at Vanguard is a good start that can be made more conservative as you get closer to your goal. Are you thinking of a Roth IRA that will allow you to withdraw all contributions at some point (earnings withdrawn are subject to penalty), or a Traditional IRA, where you will be limited to a $10k withdrawal for a first time home purchase? You should definitely make it a goal to be able to sustain dedicated retirement contributions in addition to downpayment savings. [/quote]
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