Personal Investments • Single AA for life - 80/20 or 60/40?

It’s an artificial constraint without purpose. Buy the 80/20 fund and then when you are ready or at an appointed time, switch to the 60/40 fund, either gradually or in one fell swoop. Or use a TR fund for a while and then switch to static AA.

Agree in tax-free, but in taxable accounts, capital gains prevent me from switching in one fell swoop. So I do need to make a choice there.

If you have multiple accounts, you can’t get away with just one fund anyway. So, 80/20 (or VTI) in taxable and 80/20 in tax-advantaged, later switching to 60/40. Then spend down taxable in retirement.

Statistics: Posted by rkhusky — Sat Aug 17, 2024 8:45 pm — Replies 15 — Views 651

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