jefunds
Contributing Member
Cash: $ 7.44
Posts: 33
Joined: 03 Apr 2005
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| Vanguard IRA Options |
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I recently opened a Roth IRA with Vanguard. I currently have the Windsor II as my choice fund. I wanted to open up a Roth IRA for my wife. She is a leery investor. She would prefer a "safe" conservative choice. Basically something with a steady rate of return that is better than a savings or money market account. Can someone suggest the best conservative choices in the Vanguard family?
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Sat Apr 09, 2005 4:16 pm |
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Lobster
New Member
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Joined: 08 Apr 2005
Location: San Diego, CA
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| Bond funds? |
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There are plenty of bond funds in the Vanguard family for really conservative investors like your wife. I also use another fund that is a mixture of all good Vanguard funds, called STAR. I think it makes the most sense for "diversifying" with only a few thousand bucks.
Have fun.
--Lobster
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Sun Apr 10, 2005 3:14 am |
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Rolo
Yo' Daddy
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Location: Colorado/Florida
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What is your (wife's) time horizon? Being too conservative can = losing money. You have to beat inflation. You can put half to a conservative investment and the other half to a more aggresive stock market fund.
I don't use Vangard, so I can't comment on their funds in particular. Their target funds seem like they would fit your bill.
"Expect me when you see me."
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Sun Apr 10, 2005 3:24 pm |
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Rolo
Yo' Daddy
Cash: $ 309.70
Posts: 1551
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Location: Colorado/Florida
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For Fire-and-Forget (Buy-and-Hold), check 10-year returns.
"Expect me when you see me."
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Sun Apr 10, 2005 7:28 pm |
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jefunds
Contributing Member
Cash: $ 7.44
Posts: 33
Joined: 03 Apr 2005
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Cool. I'll probably look into the target funds.
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Mon Apr 11, 2005 1:43 pm |
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BlankenshipFP
Money Talk Advisor
Cash: $ 79.56
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Location: Illinois
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quote:
Originally posted by sarah
... when interest rates start dropping...
You saw it here first - Sarah makes the call that interest rates will be dropping in the near future... 
Jim Blankenship, CFP®, EA
Blankenship Financial Planning, Ltd.
www.BlankenshipFinancial.com
Standard IRS Circular 230 Notice Applies
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Mon Apr 11, 2005 7:25 pm |
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BlankenshipFP
Money Talk Advisor
Cash: $ 79.56
Posts: 390
Joined: 05 Oct 2004
Location: Illinois
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Just joshin' ya. (if that can still be done in public) 
Jim Blankenship, CFP®, EA
Blankenship Financial Planning, Ltd.
www.BlankenshipFinancial.com
Standard IRS Circular 230 Notice Applies
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Mon Apr 11, 2005 7:34 pm |
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Rolo
Yo' Daddy
Cash: $ 309.70
Posts: 1551
Joined: 13 Mar 2005
Location: Colorado/Florida
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quote:
Originally posted by sarah
Those "target" bond funds are down 3% or so this year...
Bond funds? I thought they did the time-horizon-based allocation of bonds, stocks, etc...?
"Expect me when you see me."
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Tue Apr 12, 2005 4:02 am |
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