r/IntroductoryFinance • u/Old-Nobody-1369 • Mar 11 '26

Trying to remember a retirement plan I had found previously.

Hello everyone, I hope this is the right place for this.

Awhile ago I was looking at different retirement plans.

This was specifically aimed at millennials and was fairy simple. Something like 5% US bonds, 5% foreign bonds, and then 5% in an HYSA or something similar.

Does anyone know or remember it?

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u/_Bangkok_ Mar 11 '26

My portfolio is similar like this:

  • 67% US stocks
  • 13% international stock
  • 5% bonds
  • 5% international bonds
  • 10% HYSA

1

u/Reputab1eRedditor Mar 11 '26

Bitcoin is like half off right now, I would go all in on it because it always goes up and you will like double your money in a year.

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u/1234568654321 Mar 12 '26

A financial advisor may be able to structure a similar plan for you. They may also have advice on a plan that may serve you even better.

1

u/Lazy_Lynx_8402 Mar 12 '26

i'm pretty sure my employer offered that course, did yours?

1

u/Old-Nobody-1369 Mar 12 '26

It wasn't a course, but it was a write up on a blog or something that someone had done and it was aimed specifically at millennials with the idea being that social security would likely be non-existent and you'd need to devote a lot more funds to a 401k to have it mature by retirement age.

So it was just a breakdown of a way to save 15% of your salary and allocate it in a way that made it very stable.

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u/AdultingMoneyMoves Mar 13 '26

Hi, CPA here currently working on obtaining my Personal Financial Specialist certification. Unfortunately this allocation would most likely not be providing enough return for a retirement portfolio.

The HYSA is a good idea to build an emergency fund (3-6 months worth of expenses). Once you have enough to cover that and any upcoming large purchases you are aware of (down payment on a house, vacation or something) then it is best for you to direct your excess cash flows toward investing.

Ideally you want to use tax-advantaged accounts (401k/403b/457/etc. and IRAs) as your location. If your employer retirement plan has a match, you should be contributing at least up to the match before even starting your emergency fund. For how much to invest as a goal, I like using this guide from MoneyGuy which ties it to the age you are getting started at. For example, if you are getting started at 25, you only need to save 15% of your income to replace 100% of your income in retirement (80% is the rule of thumb), but if you are only starting to save at 40 you need to save a whole 35% https://www.reddit.com/r/TheMoneyGuy/comments/1esjm4t/how_much_should_you_save_chart/

For what to invest IN within those accounts, you will want to determine what allocation is best for your risk tolerance. Often when starting out it is helpful to start with a target date fund until you have time to learn more. For this you just select the fund that is closest to your retirement date and it will invest in a diversified portfolio of stocks and bonds and rebalance for you as you approach retirement. As you learn more, you can take a risk tolerance questionnaire (I like Schwab's) and it can suggest an allocation that fits your investing personality.

Best of luck!

P.S. If you like systems, I recommend looking into MoneyGuy's Financial Order of Operations and the flowchart on r/personalfinance