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Originally Posted by Gigi3000
EDIT:I WOULD ONLY LEAVE IT IN THE MM FOR 6 MONTHS THEN BACK TO VTTVX
Should i move all funds to Vanguard Federal MM? I have it currently in VTSAX and VTTVX. I'm not the best at reading my returns but neither have paid a dividend or a very small one this year. Its an IRA. Ive been to a financial advisor but these interest rates have gone up in the last few months so i question whether i should do their recommendations at this time.
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I moved from the Vanguard total stock fund to Vanguard to MM funds about 3 months ago. I have experienced, what I consider, good returns over the past 10+ years in the total stock fund. I made the move because MM interest rates have been moving up, I no longer want to worry about volatility, my age, and I'm not as concerned about maximizing my returns. The Vanguard MM funds I use are currently earning 4.7+ %. I am expecting another bump up with the expected Feds increase today. I will reconsider the MM when rates start to significantly dip.
I believe VTTVX is a target date fund (stocks and bonds). That fund seems to have moderate risk. That fund may work for you.
I think it is good idea to solicit the opinions of others but base your decision on the advise of an investment advisor who probably knows more.
Good luck!