If you want a bond fund, I'd stick with FXNAX, which has the lowest ER of your choices.
In mid-30s, however, I'd be 100% in total US stock market plus total international stock market, assuming you have enough cash set aside as an emergency fund and for major lumpy expenses due within the next 3-5 years.
As an investor, I've lived through every major stock market decline within the past 40+ years. So long as retirement was at least five to ten years away, my primary reaction was delight at the opportunity to continue to invest in equities at much lower prices. I knew that I wouldn't need to touch my equity holdings for a long time so I had minimal worries about the declines or about the doom and gloom pundits and stories that filled the media. If you think you might panic and sell, then you should probably skew toward a higher fixed income allocation. 10% fixed income might not be enough to stop you from making costly behavioral mistakes.
In mid-30s, however, I'd be 100% in total US stock market plus total international stock market, assuming you have enough cash set aside as an emergency fund and for major lumpy expenses due within the next 3-5 years.
As an investor, I've lived through every major stock market decline within the past 40+ years. So long as retirement was at least five to ten years away, my primary reaction was delight at the opportunity to continue to invest in equities at much lower prices. I knew that I wouldn't need to touch my equity holdings for a long time so I had minimal worries about the declines or about the doom and gloom pundits and stories that filled the media. If you think you might panic and sell, then you should probably skew toward a higher fixed income allocation. 10% fixed income might not be enough to stop you from making costly behavioral mistakes.
Statistics: Posted by Rocinante Rider — Fri Dec 13, 2024 7:37 am