The current spread in the percentage of bonds between Vanguard Target Retirement 2055 and 2065 is 1% (e.g., they have ~8% bonds and ~9% bonds, respectively). Will the difference in the percentage of bonds held be these two funds grow in the future, say at a certain milestone year, or will they always have a nearly identical mix between stocks and bonds? I’m asking as I currently own 2055, but I want to keep my bond percentage lower for longer, and I’m wondering if there is any value in keeping both years in my portfolio to split the difference in the level of bonds. With that said, if the difference will always be just 1%, then it wouldn’t seem worth it to allocate contributions to both funds. Thanks!
Edit: spelling and grammar.
You can just look at other “sooner” TDFs
2040/2045 have 20.5% and 13% bonds.
2030/2035 have 35% and 29%
Now that rates are normalizing to non-zero rates, they’re less of a bad deal
https://old.reddit.com/r/investing/comments/lndh1s/necessity_of_bonds_in_a_portfolio/
That’s my big complaint with TDFs — that they automatically do increase bond percentage and decrease stock percentage.
Vanguard still offers their LifeStrategy funds — the Growth fund is 80% stock 20% bonds. That, a domestic total stock market fund and an international total stock market fund will cover you pretty well.
You may find these links helpful:
– [Retirement Accounts](/r/personalfinance/wiki/index#wiki_retirement)
– [“How to handle $”](/r/personalfinance/wiki/commontopics)
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