'I'm 50 And Behind On Retirement' – Reddit Debates: 'Should I Invest More In BND Or Let It Ride In VTI And VOO For A Few More Years?'

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Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below. Many investors choose Vanguard index funds for good reason. When it comes to building a solid stock...

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When it comes to building a solid stock...</p>\n\n<a href=\"https://finance.yahoo.com/news/im-50-behind-retirement-reddit-203215207.html\">Source Link</a>\n\n</div>\n","source":"yahoofinance","html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>'I'm 50 And Behind On Retirement' – Reddit Debates: 'Should I Invest More In BND Or Let It Ride In VTI And VOO For A Few More Years?'</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 11px; color: #7E829C; margin: 0;line-height: 11px;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\n'I'm 50 And Behind On Retirement' – Reddit Debates: 'Should I Invest More In BND Or Let It Ride In VTI And VOO For A Few More Years?'\n</h2>\n\n<h4 class=\"meta\">\n\n\n2025-01-06 04:32 GMT+8&nbsp;&nbsp;&nbsp;<a href=https://finance.yahoo.com/news/im-50-behind-retirement-reddit-203215207.html><strong>Benzinga</strong></a>\n\n\n</h4>\n\n</header>\n<article>\n<div>\n<p>Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below.\nMany investors choose Vanguard index funds for good reason. When it comes to building a solid stock...</p>\n\n<a href=\"https://finance.yahoo.com/news/im-50-behind-retirement-reddit-203215207.html\">Source Link</a>\n\n</div>\n\n\n</article>\n</div>\n</body>\n</html>\n","isBrief":false,"type":0,"news_type":1,"symbol":"BK4547","symbol_name":"WSB热门概念","start_time":0,"source_url":"https://finance.yahoo.com/news/im-50-behind-retirement-reddit-203215207.html","article_id":"2501982447","we_media_id":null,"thumbnails":[],"rights":null,"url":"https://stock-news.laohu8.com/highlight/detail?id=2501982447","pubTimestamp":1736109135,"columns":[],"sourceInfo":{"source_id":"yahoofinance","name":"雅虎金融"},"weMediaInfo":null,"summary":"Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below.Many investors choose Vanguard index funds for good reason. When it comes to building a solid stock portfolio, three Vanguard funds, VOO, VTI and BND, are often the first recommended on online discussion forums like Reddit.VOO offers access to 500 of the largest U.S. companies and is a choice for investors seeking all-around exposure or blue chip stocks. VTI captures an even broader reach, covering nearly the entire U.S. equity market, including small and mid-cap stocks.A 50-year-old Reddit user recently sparked a debate on the r/ETFs community with his post. The investor shared that he is 12 years away from retirement but behind on savings. Currently, he contributes to his employer’s 401, has a Roth and a Traditional IRA and is investing equally in VOO, VTI and BND.“I am 50 years old and a little behind in retirement savings. I am invested in my employer's 401 and they provide matching.","collect":0,"end_time":0,"defaultTopTitle":"yahoo.com","property":[],"viewcount":null,"language":"en","relate_stocks":{"BK4547":"WSB热门概念","LU1861215975.USD":"贝莱德新一代科技基金 A2","SHY":"债券指数ETF-iShares Barclays 1-3年国债","RDDT":"Reddit","LU1861220033.SGD":"Blackrock Next Generation Technology A2 SGD-H","LU2360107168.USD":"BGF NEXT GENERATION TECHNOLOGY \"A4\" (USD) INC","BK4077":"互动媒体与服务","BND":"债券指数ETF-Vanguard美国","BK4581":"高盛持仓","BK4585":"ETF&股票定投概念","VTI":"大盘指数ETF-Vanguard MSCI","LU2290526834.HKD":"BGF NEXT GENERATION TECHNOLOGY \"A2\" (HKDHDG) ACC","GOVT":"iShares安硕核心美国国债ETF","BK4534":"瑞士信贷持仓","VOO":"Vanguard标普500ETF","BK4588":"碎股","IEF":"债券指数ETF-iShares Barclays 7-10年","BK4550":"红杉资本持仓","BK4559":"巴菲特持仓","IEI":"iShares Barclays 3-7 Year Trea"},"translate_title":"“我50岁了，还没到退休年龄”——Reddit争论道：“我应该在BND上投入更多资金，还是让它在VTI和VOO上再骑几年？'","themeId":null,"isJumpTheme":false,"ttsUrl":null,"symbols_score_info":{"VTI":1,"VOO":1,"BND":1,"RDDT":0.9,"ZFmain":0.6,"SHY":0.6,"IEI":0.6,"IEF":0.6,"GOVT":0.6,"ZTmain":0.6,"ZBmain":0.6,"UBmain":0.6,"TNmain":0.6},"content_text":"Benzinga and Yahoo Finance LLC may earn commission or revenue on some items through the links below.\nMany investors choose Vanguard index funds for good reason. When it comes to building a solid stock portfolio, three Vanguard funds, VOO, VTI and BND, are often the first recommended on online discussion forums like Reddit.\nVOO offers access to 500 of the largest U.S. companies and is a choice for investors seeking all-around exposure or blue chip stocks. VTI captures an even broader reach, covering nearly the entire U.S. equity market, including small and mid-cap stocks.\nDon't Miss:\n\nIf there was a new fund backed by Jeff Bezos offering a 7-9% target yield with monthly dividends would you invest in it?\nMaker of the $60,000 foldable home has 3 factory buildings, 600+ houses built, and big plans to solve housing — you can become an investor for $0.80 per share today.\n\nOn the other hand, BND is a popular choice for conservative investors as it offers a diversified mix of U.S. bonds that reduces volatility and serves as a buffer against downturns. Investors frequently seek recommendations on balancing stocks and bonds in their portfolios to align with financial goals, particularly retirement planning.\nA 50-year-old Reddit user recently sparked a debate on the r/ETFs community with his post. The investor shared that he is 12 years away from retirement but behind on savings. Currently, he contributes to his employer’s 401(k), has a Roth and a Traditional IRA and is investing equally in VOO, VTI and BND.\n“I am 50 years old and a little behind in retirement savings. I am invested in my employer's 401(k) and they provide matching. I do have a Vanguard Roth and Traditional IRA and so far have invested in VOO, VTI and BND equally,” the investor wrote.\nSee Also: ‘Scrolling To UBI' — Deloitte's #1 fastest-growing software company allows users to earn money on their phones. You can invest today for just $0.26/share with a $1000 minimum.\nThe investor is now facing a critical question: Should he increase his BND allocation for more safety or keep the money in VOO and VTI to optimize growth potential?\nLet’s dive into the suggestions Reddit members of the r/ETFs community had to offer.\nPump More Into BND or Ride It in VOO and VTI? Reddit’s Suggestions\nDiversify with VXUS\nThe first comment on the 50-year-old investor’s post recommended diversifying with VXUS instead of holding both VOO and VTI.\nThe reasoning? VTI already includes VOO, making holding both redundant. Also, adding VXUS to the portfolio provides international exposure.\n“VTI already fully includes VOO (by weight, the VOO part is over 80% of VTI right now). It rarely if ever makes sense to hold both. VXUS is a more natural complement, as VTI only covers the U.S. and VXUS covers outside the US. There have been many times when market favor was outside the U.S. and favor can flip extremely quickly and unexpectedly,” one comment reads.\nTrending: This Jeff Bezos-backed startup will allow you to become a landlord in just 10 minutes, with minimum investments as low as $100 for properties like the Byer House from Stranger Things.\nAnother comment highlighted the importance of international stocks and noted that Vanguard advises investors to ensure that 40% of their portfolio is allocated to international stocks.\n“Vanguard: 40% of the stock is recommended to be international,” the comment says.\nInvest in Growth-Focused Stocks and Buy Bonds Closer to Retirement\nWith 12 years left until retirement, the r/ETFs community recommended that the investor prioritize stock-heavy allocations to maximize growth potential.\n“Everyone has different levels of risk they’re willing to take with the ‘safe' part of the portfolio. For better-expected growth, you’d up the VTI/VXUS part, many would prefer the ‘safe' part of the portfolio to be much more on the safer side,” one comment reads.\nAlthough bonds are a safer investment, which is beneficial closer to retirement, they also have lower returns. The community suggested that the investor weigh this trade-off carefully.\n“BND adjusts the safety of the portfolio. [ ...] However, bonds do have lower expected returns than stocks, but there have been times when bonds would have been the better choice even after a decade,” one Redditor wrote.\nTrending: Warren Buffett once said, \"If you don't find a way to make money while you sleep, you will work until you die.\" Here’s how you can earn passive income with just $100.\nAnother commenter emphasized that bonds are crucial as retirement nears.\n“BND is super important to consider as you approach retirement. Anyone saying otherwise doesn’t understand long-term investing,” the Reddit member said.\nHowever, the majority consensus was that the investor should shift to bonds closer to retirement instead of prioritizing them now. The 50-year-old acknowledged this advice in his reply to a comment.\n“I think from what everyone has shared here, there is no need to contribute to BND during this wealth-building time. My risk tolerance is moderate. Looks like I need a diverse mix of stocks (domestic and international) and let it ride,” he wrote.\nWondering if your investments can get you to a $5,000,000 nest egg? Speak to a financial advisor today. SmartAsset’s free tool matches you up with up to three vetted financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you.\nYou Can Profit From Real Estate Without Being A Landlord\nReal estate is a great way to diversify your portfolio and earn high returns, but it can also be a big hassle. Luckily, there are other ways to tap into the power of real estate without owning property. Arrived Home's Private Credit Fund’s has historically paid an annualized dividend yield of 8.1%*, which provides access to a pool of short-term loans backed by residential real estate. The best part? Unlike other private credit funds, this one has a minimum investment of only $100. \nLooking for fractional real estate investment opportunities? The Benzinga Real Estate Screener features the latest offerings.\nThis article 'I'm 50 And Behind On Retirement' – Reddit Debates: 'Should I Invest More In BND Or Let It Ride In VTI And VOO For A Few More Years?' originally appeared on Benzinga.com\n© 2025 Benzinga.com. Benzinga does not provide investment advice. 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