Row 8163

Row ID: 8163 | Dataset Entry | Axioma AXP Content Repository

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After 20+ years with Edward Jones, and almost no personal input on their fund management, I have finally convinced my parents to move their investments to Vanguard and reallocate. I initiated a transfer today of all assets in EJ (a trad IRA & a Roth IRA) to Vanguard, totaling about $200K. (Their 401k's are still at their respective employer's institutions)

They are currently 65 and plan on retiring at 67 or 70. Their portfolio with EJ is allocated to **100% equities...**

The underlying assets are the typical convoluted and complicated investments that EJ is known for, comprised of 12 seemingly random index funds.

They are extremely conservative financially and have a low risk tolerance. This is why the 100% equities allocation is absurd to me. I am trying to determine the best allocation to assign when the funds arrive at Vanguard and I welcome any input on allocation with respect to their low risk tolerance.

I am considering the following strategies, each at a different point on the risk spectrum:

* **2025 TDF \[VTTVX\] (Highest Equity weight)**: * \~ 52% equities (US & Intnl.) / 41% bonds (US & Intnl.) / 6% TIPS / 1% market liquidity * **Lazy portfolio 1 (medium Equity weight)**: * 35% equities \[VTI or VT\] / 55% bonds \[BND\] / 10% TIPS \[VTIP\] * **Lazy portfolio 2 (moderate Equity weight)**: * 20% equities \[VTI or VT\] / 70% bonds \[BND\] / 10% TIPS \[VTIP\] * **Lazy portfolio 3 (lower Equity weight)**: * 10% equities \[VTI or VT\] / 80% bonds \[BND\] / 10% TIPS \[VTIP\] * **Lazy portfolio 4 (radically conservative)**: * 90% bonds \[BND\] / 10% TIPS \[VTIP\]

I would reallocate each of the Lazy portfolios annually on a self-determined glide path.

With regards to the varying portfolios I've listed, my parents have **no opinion** on the allocations (*they have little knowledge of asset classes and allocations despite my explanations in the past*). Their only input is:

>"we don't want to lose all our money if/when the stock market crashes"

Given the limited input from my parents, what are your opinions on the different portfolio allocations I've listed? (Basically, just goals of a conservative approach & preservation of capital)

I have read The Little Book of Common Sense Investing by John Bogle as well as several articles on the Bogleheads forum, however I welcome any additional resources for further reading!

Thank you for any input you can provide!

Field	Value
text	After 20+ years with Edward Jones, and almost no personal input on their fund management, I have finally convinced my parents to move their investments to Vanguard and reallocate. I initiated a transfer today of all assets in EJ (a trad IRA & a Roth IRA) to Vanguard, totaling about $200K. (Their 401k's are still at their respective employer's institutions) They are currently 65 and plan on retiring at 67 or 70. Their portfolio with EJ is allocated to 100% equities... The underlying assets …
label	r/investing
dataType	post
communityName	r/investing
datetime	2024-05-18
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Raw Record

{
  "text": "After 20+ years with Edward Jones, and almost no personal input on their fund management, I have finally convinced my parents to move their investments to Vanguard and reallocate. I initiated a transfer today of all assets in EJ (a trad IRA & a Roth IRA) to Vanguard, totaling about $200K. (Their 401k's are still at their respective employer's institutions)\n\nThey are currently 65 and plan on retiring at 67 or 70. Their portfolio with EJ is allocated to **100% equities...**\n\nThe underlying assets are the typical convoluted and complicated investments that EJ is known for, comprised of 12 seemingly random index funds.\n\nThey are extremely conservative financially and have a low risk tolerance. This is why the 100% equities allocation is absurd to me. I am trying to determine the best allocation to assign when the funds arrive at Vanguard and I welcome any input on allocation with respect to their low risk tolerance.\n\nI am considering the following strategies, each at a different point on the risk spectrum:\n\n* **2025 TDF \\[VTTVX\\] (Highest Equity weight)**:\n   * \\~ 52% equities (US & Intnl.) / 41% bonds (US & Intnl.) / 6% TIPS / 1% market liquidity\n* **Lazy portfolio 1 (medium Equity weight)**: \n   * 35% equities \\[VTI or VT\\] / 55% bonds \\[BND\\] / 10% TIPS \\[VTIP\\]\n* **Lazy portfolio 2 (moderate Equity weight)**: \n   * 20% equities \\[VTI or VT\\] / 70% bonds \\[BND\\] / 10% TIPS \\[VTIP\\]\n* **Lazy portfolio 3 (lower Equity weight)**: \n   * 10% equities \\[VTI or VT\\] / 80% bonds \\[BND\\] / 10% TIPS \\[VTIP\\]\n* **Lazy portfolio 4 (radically conservative)**: \n   * 90% bonds \\[BND\\] / 10% TIPS \\[VTIP\\]\n\nI would reallocate each of the Lazy portfolios annually on a self-determined glide path.\n\nWith regards to the varying portfolios I've listed, my parents have **no opinion** on the allocations (*they have little knowledge of asset classes and allocations despite my explanations in the past*). Their only input is: \n\n>\"we don't want to lose all our money if/when the stock market crashes\"\n\nGiven the limited input from my parents, what are your opinions on the different portfolio allocations I've listed? (Basically, just goals of a conservative approach & preservation of capital)\n\nI have read The Little Book of Common Sense Investing by John Bogle as well as several articles on the Bogleheads forum, however I welcome any additional resources for further reading!\n\nThank you for any input you can provide!",
  "label": "r/investing",
  "dataType": "post",
  "communityName": "r/investing",
  "datetime": "2024-05-18",
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}

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Entry Information

Entry ID: 8163
Repository: Axioma AXP
Dataset: arrmlet/reddit_dataset_36
Total Entries: 100,000