• 15 Posts
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Joined 1 year ago
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Cake day: June 20th, 2023

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  • I could certainly wait longer than 5 years if necessary. It depends on where life takes me.

    VT or VTI would be more tax-efficient than a TDF, then. I could diversify in another way: put some percentage of money into VT, and then the rest into, say, a CD ladder. Maybe start out with VT then taper towards CDs/treasury bills around the 3-to-5-year mark. A DIY TDF, if you will. (I suppose that’s the “personal” in personal finance.)

    Thank you for sharing your perspective!