To summarize the change, by switching to a more aggressive Target Retirement fund you are moving 7% from bonds and putting 5% in US equity and 2% in International equity.Hi. First of all, I would like to thank everyone in this forum for giving me invaluable insight in personal investments.
My question is: I am 51. My 403(b) and 457(b) are invested in Vanguard Target Retirement 2040 Fund (VFORX - currently US stocks 47%, Non-US stocks 30%, Bonds 23%). I plan to change my VFORX to Vanguard Target Retirement 2045 Fund (VTIVX - currently US stocks 50%, Non-US stocks 34%, Bonds 16%) or Vanguard Target Retirement 2050 Fund (VFIFX - currently US stocks 55%, Non-US stocks 36%, Bonds 9%).
When is good time to execute this change? For example, when the stock market is down vs. up, when the federal fund rate is low vs. high, etc.
Background information: My portfolio consists of 700K VFORX in 403(b), 400K VFORX in 457(b), 450K VTSAX in Vanguard brokerage account (taxable), 30K in Roth IRA, and 140K in individual stocks (taxable).
If that is a change you want to make the best time would have been about a 10 day period in early April. If your time machine is on the fritz, I'd just do it now.
Statistics: Posted by goblue100 — Tue Sep 02, 2025 10:01 am — Replies 20 — Views 2533