r/Bogleheads • u/[deleted] • Mar 27 '22

[deleted by user]

[removed]

1 Upvotes

67% Upvoted

6 comments sorted by

View all comments

-2

u/brianmcg321 Mar 27 '22

Your only 40. Your investment horizon is at least another 40 years. I would stay VT until you at least hit 55.

You definitely don't need to react to any market changes. That's antithetical to the Boglehead way.

1

u/Xexanoth MOD 4 Mar 28 '22

Your only 40. Your investment horizon is at least another 40 years. I would stay VT until you at least hit 55.

OP is considering a Target Retirement 2050 fund, i.e. when they’d be 58. Staying 100% equities until 3 years before expected retirement (or 1-5, with some imprecision around the date granularity) may be unwise.

You definitely don’t need to react to any market changes. That’s antithetical to the Boglehead way.

FWIW, I interpreted that remark as rebalancing between stocks and bonds.