I know, I know. Never attempt to time the market. With that being said....
New academic attending in anesthesia. Maxing out 403b account @ 18k/yr pre-tax. Maxing out 457 account @ 18k/yr pre-tax. My job also provides 30k/yr into a 401a account that vests 20%/yr. I am investing 75% of total funds in a Vanguard Large Blend Index Fund (VINIX) and 25% of total funds is in Vanguard Mid/Small Cap Index Blend.
I am concerned that the market has peaked and I've had 16.5% returns over this past year. Without sounding like an alarmist, I would like to try and protect my assets.
My Question: Would it make any sense to take my money out of VINIX and put it into VBTLX (Vanguard total bond index)?
All comments and criticisms are welcome.
New academic attending in anesthesia. Maxing out 403b account @ 18k/yr pre-tax. Maxing out 457 account @ 18k/yr pre-tax. My job also provides 30k/yr into a 401a account that vests 20%/yr. I am investing 75% of total funds in a Vanguard Large Blend Index Fund (VINIX) and 25% of total funds is in Vanguard Mid/Small Cap Index Blend.
I am concerned that the market has peaked and I've had 16.5% returns over this past year. Without sounding like an alarmist, I would like to try and protect my assets.
My Question: Would it make any sense to take my money out of VINIX and put it into VBTLX (Vanguard total bond index)?
All comments and criticisms are welcome.
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