Submitted by dennisj9 t3_11duvjl in personalfinance
2cool_4school t1_jadhmu5 wrote
Reply to comment by jrezzzzzz in My Roth IRA is 100% invested into VTSAX. Is it an issue to keep investing in VTSAX each year? by dennisj9
You realistically shouldn’t be adding bonds at that point unless you’re trying to retire early, but it all depends on what the market looks like at that point in time. If we are back to a low interest rate environment we saw for the past decade, no, you absolutely should not add bonds. If things are at 5-6% or higher on the 30 year, it would be a little bit better. It also depends on how much you have and how much you need to retire. (Above your goal, then it’s ok to take some risk off the table)
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