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planning for next year-401k, roth etc, need thoughts on Bond funds

December 11th, 2015 at 10:00 am

Hi all

Starting to think on next year. Work gets really SLOOWW after mid next week because we have what we call a 'freeze' when no infrstructure/network changes can go in and since that is sortof what we do work slows down and people leave for vacation.

As a contractor I pay for my own vacation so I typically take off less but have easier days while everyone is gone

Anyway.. I have set my 401k up as 25% of each paycheck.. my first goals will be to fund the Roth and the HSA and then any savings will go toward investments. i am currently investing in the Vanguard Admiral stock index fund.. pretty standard and low cost.I have my 401k and Roth in the same fund too. I did take a position in a health care stock fund (Vanguards too). this year I may put 20% of my portfolio into bonds too or rebalance my portfolio so 20% is in bonds and the rest stocks. I am only 45 so I may have only 10-15% in binds. We will see

Any suggestions for any good bond funds at Vanguard?

Thanks all

3 Responses to “planning for next year-401k, roth etc, need thoughts on Bond funds”

  1. AnotherReader Says:

    Vanguard has a low cost total bond market index fund. The Admiral shares fund symbol is VBTLX.

    Personally, I do not invest much in bonds. Now might not be a good time to start, as interest rates are expected to rise, and bond values will decline when that happens.

  2. Petunia 100 Says:

    I use total bond market.

  3. Rachael777 Says:

    thanks for the advice. particularly 'now may not be the best time to start' Smile

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