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Originally Posted by RunKC
Yeah for sure. I’m not elaborating well enough.
What if you move your highest position to the S&P index fund and have a similar % as your target fund in the same (or similar) bonds and international assets?
That’s the general idea. Not sure if it will work, but it’s an interesting thought.
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Sure, that's exactly what the three-fund portfolio is all about. THe only difference is that you have to update the allocations every once in a while.
I've gotten super lazy and just do the Schwab target index fund for most stuff these days, but I used to do something like 70% S&P index, 15% International stock index, and 15% bond index (in my mid-30s). As you get older, it should shift a bit toward more bonds and fewer stocks.