oldguy
Senior Member
Cash: $ 751.85
Posts: 3656
Joined: 21 May 2006
Location: arizona
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Your choice depends entirely on what your goals are. Eg, if you are over 60 you need 'wealth preservation' - savings accounts, CDs, etc. And if you you are younger, you need 'wealth-building' items - mostly equities.
The wealth-preservation items are designed to offset inflation, they pay 1% to 3%, they don't add wealth, they provide 'safe storage' of your assets. Conversely, wealth-building assets are designed to outpace inflation - eg, they pay 10% to 12%, about 8% to 10% above inflation. So your account grows at an average compounded rate of about 11%/yr. ($15K will be about $450,000 in 30 yrs).
Your bonds and CDs are strictly 'safe-storage' items, not wealth builders. Your VTSAX is a good wealth-builder - but any of the SP500 based index funds will do. And the idea is to buy and accumulate, never sell & trade. And don't scatter them about - the index funds are fully diversified, pick one and put your money there, no need for small bunches of funds and their many fees.
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