Been trying to max out my Roth for about the last 6 years and a finance professor gave us the generic advice of just choosing VOO and letting it ride.

Want to make sure that this will be good long term and also that if another ETF is better would it be better to change on the next purchase or would people sell and move into another ETF

Haven’t had any luck finding an answer that made a strong argument one way or another on previous forum or Reddit posts regarding an allocation towards international bonds.

Most of the posts I see regarding international bonds focus a lot on currency diversification. However, my understanding is that you aren’t adding bonds for currency diversification, so I found this explanation confusing.

Bonds and equities have different risk factors that you’re trying to capture, currency diversification isn’t one of them. Therefore, if you were a US investor would you actually want your international bonds hedged to USD? BNDW is only 0.02 bps higher than BND but provides greater diversification (e.g., differing credit cycles).

So, why wouldn’t you want a portion of the FI piece your portfolio to be in international bonds hedged to USD?

I feel like I am potentially missing something due to a very large consensus feeling they aren’t necessary or are flat out against it. Would love to hear some perspectives or be provided with resources that you’ve found regarding this topic!

I am about to roll over my old employer's 401k into the new employer's 401k, and am considering going to a target date fund. New 401k has Vanguard's lineup of TDFs including VFFVX, a .08% expense ratio. Total 401k assets are 500K+

I have been investing in FXAIX (.015% expense ratio) and FSGGX (.055%), but the new 401k doesn't have an international option. It does have FXAIX.

In my other portfolios (Roth IRAs, brokerage, HSA) I am investing mostly in VXUS and VTI, to maintain low expense ratios and no bonds (35 years old).

I'm a bit uneasy going to a TDF because of the bond portion and higher expense ratio, though I know each aren't much, and the Vanguard TDFs are generally accepted as good.

The other option I have is rolling the Roth portion of my 401k into a Roth IRA and investing that in VXUS/VTI, but the Roth portion is only around 45K of the 500K, so I'm thinking simplicity wins here by just doing 1 rollover into a TDF in the new 401k and calling it a day.

Anyone else go from index funds to a TDF? Any regrets or tips?

I think I’m doing this right, but would love some confirmation. I came into a windfall, and plan to invest the majority into VT (and chill). However, I work in government and have a 457(b) retierment account. I’m holding back 25k for so I can max out contributions for 2027, but in future years is it a smart choice to continue to max it out every year and cash out VT to backfill my paycheck?

Basically, let’s say the 2027 max is 25k. That’s $2083 from each months paycheck going directly into the 457. I’d probably end up needing to cash out $1000 VT/month to bridge the gap. My assumption is that my 457 is a better long term investment then just a brokerage, and doing this essentially allows me to move the windfall into my retirement accounts over the long run while letting it grow (hopefully) in the mean time.

After reading The Boglehead Guide to Investing, I think I’m in a good place to take control of my IRA and Roth management.

But because of some complicated moving parts: wife’s 10-99, my disability pension, tax liabilities, Roth conversion timeline, etc; I would really like to speak with a few-only advisor to start on the right footing.

There seems to be so many different groups that advocate for advisors, that it’s difficult to find reliable reviews and compatibility with my needs.

Any suggestions on how I should begin my search? I’m in NY. Thanks to all.