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Vanguard Lowest Risk Funds?

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#1

Posted 02-13-2013, 01:13 PM

vaultaddict

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Vanguard Lowest Risk Funds?

Right now, between my wife and I, we have about 360k all in VFORX.

Hasn't been in there for long, kind of a temporary parking spot.

Anyhow, I'd like to take approx 200k of that and move it to something at Vanguard that's extremely low risk for 6 months to 1 year. Is a bond fund or money market my only choice?

What are my other options?

I am just being silly?

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#2

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02-13-2013, 01:27 PM

DWad I'm Awesome. Member sinceJun 2011 Posts510 Reputation 188 Followers 2 + Give Rep	A CD or an i-bond are probably your best options. Bond funds might be lower risk than stock, but for that short of a time period, you might be better off with something with even less risk. You could even go to a high-yield (cough 1% return cough) savings account if you want to keep the money more liquid.
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#3

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02-13-2013, 01:39 PM

vaultaddict

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A CD or an i-bond are probably your best options. Bond funds might be lower risk than stock, but for that short of a time period, you might be better off with something with even less risk. You could even go to a high-yield (*cough* 1% return *cough*) savings account if you want to keep the money more liquid.

I don't want liquidity, just "safety".

Forgot to mention, this is all in IRAs or Roth IRAs.

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#4

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02-13-2013, 02:10 PM

DWad I'm Awesome. Member sinceJun 2011 Posts510 Reputation 188 Followers 2 + Give Rep	Right. In terms of 'safety', an i-bond, CD, or savings account are you real options. Money market will do worse than any of those. Hope that helps .
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#5

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02-13-2013, 03:45 PM

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Right now, between my wife and I, we have about 360k all in VFORX.

Hasn't been in there for long, kind of a temporary parking spot.

Anyhow, I'd like to take approx 200k of that and move it to something at Vanguard that's extremely low risk for 6 months to 1 year. Is a bond fund or money market my only choice?

What are my other options?

I am just being silly?

If your goal is safety and predictability, I would stay away from bond funds - especially right now as interest rates are poised to start back up in relatively short order.

If you're comfortable sharing your goal with this $200,000 it might get ideas even more appropriate to your specific situation.

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Comfort is the enemy of achievement.
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#6

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02-13-2013, 04:13 PM

vaultaddict

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If your goal is safety and predictability, I would stay away from bond funds - especially right now as interest rates are poised to start back up in relatively short order.

If you're comfortable sharing your goal with this $200,000 it might get ideas even more appropriate to your specific situation.

Thanks.

It's all just retirement money.

40 y/o right now.

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#7

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02-13-2013, 04:41 PM

vbt L4: Apprentice Member sinceApr 2010 Posts329 Reputation 152 Followers 0 + Give Rep	just curious, if its retirement money ,why the short 6-12month time frame for it?
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#8

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02-13-2013, 04:48 PM

vaultaddict

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just curious, if its retirement money ,why the short 6-12month time frame for it?

Just a gut feeling.

Getting nervous lately.

Probably no good reason for it.

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#9

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02-13-2013, 05:22 PM

808Lurker is offline

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Just a gut feeling.

Getting nervous lately.

Probably no good reason for it.

Just curious, would that gut feeling have to do with the DOW reaching record highs and the economy is in the tank and the chickens have to come home to roost at some point?

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#10

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02-13-2013, 07:27 PM

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Just a gut feeling.

Getting nervous lately.

Probably no good reason for it.

I would strongly caution you against doing that. You are very well diversified in a very good fund. Market timing is gambling. $200,000 is a lot of money to put at such risk. Your target retirement fund is so diversified that by not believing in the long-term success of that fund is not believing in the long-term success of worldwide capitalism.

You have made very good decisions putting so much money away in your retirement accounts at the best brokerage on the planet in one of the best funds there is. I would continue making those same good decisions by staying the course.

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#11

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02-13-2013, 07:43 PM

vaultaddict

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I would strongly caution you against doing that. You are very well diversified in a very good fund. Market timing is gambling. $200,000 is a lot of money to put at such risk. Your target retirement fund is so diversified that by not believing in the long-term success of that fund is not believing in the long-term success of worldwide capitalism.

You have made very good decisions putting so much money away in your retirement accounts at the best brokerage on the planet in one of the best funds there is. I would continue making those same good decisions by staying the course.

Thanks Brian.

I was waiting to hear your advice.

I'm gonna sleep on it for a few days.

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#12

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02-13-2013, 08:46 PM

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Thanks Brian.

I was waiting to hear your advice.

I'm gonna sleep on it for a few days.

You're welcome.

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#13

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02-13-2013, 10:23 PM

rebat L9: Master Member sinceNov 2004 Posts5,101 LocationWestern USA Reputation 435 Followers 0 + Give Rep	how much of your portfolio is in one fund? might want to diversify... Predicting the next Footlocker F&F
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#14

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02-14-2013, 05:03 AM

vbt

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how much of your portfolio is in one fund? might want to diversify...

he stated that hes got 360k in VFORX...which is the target retirement 2040 fund. which in itself is already diversified(according to vanguard it is ~90/10)

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#15

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02-14-2013, 06:04 AM

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If you are feeling uneasy you could always move some of the funds to a closer date Target retirement fund like 2030 or 2045. VG should give you the breakdown of how your funds are diversified and if you want to move to a more conservative approach just pick funds with more bond allocation. In 6/12 months you feel more confident then you can move some of the funds into back or into a diff Target fund with a further out date to allocate more to stocks.
I actually have a similar situation to you, but am 30 and have my funds in a 2030 and 2045. This basically satisfies both my conservative and risk sides.

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