Q: As a retired person with a moderate risk profile, can I use the Vanguard portfolio and what percentage?
A: This question is a good example of people seeking personal advice, which I do not give. My answer: You need someone who knows more about your personal situation. I suggest you meet with an hourly advisor from Garrett Planning Network. They use Vanguard and you can share my recommendations to see if they agree. It may take a couple hours of work, but likely well worth the price. I am no longer an advisor but I hope my information will be helpful in working with an advisor.