r2i forum

Guys
I have some 401K money that i rolled over into Vanguard and have better funds to choose from. I have chosen the following funds

VTSMX
NAESX - Small cap
VFWIX - Intl

I need to invest some money in Bonds and that is where i am looking for some opinion. The amount is around 8k to be in Bonds. Could you suggest a good Bond fund. should i DCA into the Bond fund or it doesnt matter

dhindia,

What is your target allocation? Look at all your accounts in totality and don't hold bond funds in taxable account as they generate dividend income. Bonds are good in tax-deferred accounts - 401K, IRA etc.

If you are planning to invest 8K in taxable account, I would suggest buy VTSMX or VFWIX and if this puts you into too much stocks then move some money from Stock fund to Bond in your IRA account.

Again, this depends on your target allocation whether - 80/20 or 60/40

Hope this helps.

Thanks

-V

This is an IRA account. My allocation is already figured out and i need to allocate 8k into bonds. I had earlier had high yield fund and rest of my bond portion is in India. so this is my first exposure to bonds in US. I am thinking 80% VBMfx and 20% VIPSX

VBMFX has mortgage bonds. I will avoid them for some time.
Use VFSTX instead of VBMFX.

dhindia:

Can you share your indian bond fund choices and their allocation?

Cheers
Cashier

My India Bond portion is in Post Office schemes. I had a MIS scheme started before it was closed to NRI's. Rest of it is in recurring deposits and FD's in my parent names. I have no investments in the indian debt mutual funds.

Following funds are available as part of my 401K. Don't need them until retirement.
Gurus,
can you pls suggest funds considering high risk profile.

International Stock Funds
American Funds EuroPacific Growth Fund® Class R-6 RERGX
Vanguard Total International Stock Index Fund Institutional Shares VTSNX
Domestic Stock Funds
Dodge & Cox Stock Fund DODGX
T. Rowe Price Mid-Cap Growth Fund RPMGX
T. Rowe Price Small-Cap Stock Fund OTCFX
Vanguard Extended Market Index Fund Institutional Shares VIEIX
Vanguard Institutional Index Fund Institutional Shares VINIX
Vanguard PRIMECAP Fund Admiral Shares VPMAX
Short-Term Reserves
Vanguard Retirement Savings Trust III ?
Bond Funds
PIMCO Total Return Fund Institutional Class PTTRX
Vanguard Total Bond Market Index Fund Institutional Shares VBTIX
Balanced Funds (Stocks and Bonds)
Target Retirement 2010 Trust I ?
Target Retirement 2015 Trust I ?
Target Retirement 2020 Trust I ?
Target Retirement 2025 Trust I ?
Target Retirement 2030 Trust I ?
Target Retirement 2035 Trust I ?
Target Retirement 2040 Trust I ?
Target Retirement 2045 Trust I ?
Target Retirement 2050 Trust I ?
Target Retirement 2055 Trust I ?
Target Retirement 2060 Trust I ?
Target Retirement Income Trust I ?
Vanguard Wellington Fund Admiral Shares VWENX

I would have invested in one of the Target Retirement Trust funds, because all of them are based on low-cost index funds, and I wouldn't have to worry about rebalancing them as I age.