My Comments: What follows here came from an article which appeared in my daily news feed. To give credit where credit is due, here’s a link to the article: https://tinyurl.com/4fvaa98f.  I changed the post title to reflect my belief that growth funds in a portfolio tend to be more volatile. This is not necessarily helpful when you start withdrawing a monthly income from the sale of shares. It can often trigger Sequence of Returns risk.

That being said, and mindful of my last post which was about investing money if you’re not yet retired and your focus is to accumulate money for a successful 40-year retirement. It’s critical to find ways to effectively “grow” your money while in the “working for money” stage of life before you transition into the “no longer working” stage of  life.

At that point your strategic goals change which also means changes should be made to the tactical choices you made earlier. This is to assure yourself of reliable sources of income when you’re no longer adding to your pile of money.

These five may or may not be appropriate after retirement, but since retirement isn’t usually a finite point in time for us, some of these five funds may also be appropriate during the transition stage. For example, I have some of my money in #4 and I began my transition some 12-15 years ago.

1. Vanguard Information Technology Index Fund (NYSE:VGT)

           5-Year Performance as of September 14: 114.58%

2. Vanguard Russell 1000 Growth Index Fund (MUTF:VRGWX)

           5-Year Performance as of September 14: 80.07%

3. Vanguard 500 Index Fund ETF (NYSE:VOO)

           5-Year Performance as of September 14: 54.80%

4. Vanguard 500 Index Fund Admiral Shares (MUTF:VFIAX)

           5-Year Performance as of September 14: 52.17%

5. Vanguard Total Stock Market ETF (NYSE:VTI)

           5-Year Performance as of September 14: 48.86%