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r/stocksr/stocks· u/Coloradodreaming1· 1d ago 0

Target Date Fund For IRA

Investor summaryNeutral

Author considers selling a complex IRA portfolio of stocks and ETFs to simplify it with a single Vanguard target date fund.

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I have an IRA that I built with many investments over the years including mostly individual stocks (US and International), several ETFs including VT, VTI, VXUS, VOO, IJR, IJH, AVDV, FBND, Bond mutual funds, GLD, etc. .. I was thinking perhaps putting the retirement portfolio on autopilot for a little bit. Set it and forget it, by selling all positions and replacing with one holding VFORX or VTTHX Vanguard’s 2040 and 2035 low fee target date funds. Has anyone done this? I follow Rob Berger and he mentions all his retirement portfolio is a more conservative Vanguard target date fund. The simplicity thing sounds attractive for the retirement account since I can easily make changes without tax consequences.

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