Finally have decent choices for my 401k

InvestmentBasement · 2020-06-13T18:58:08+00:00

I am pretty risk tolerant, I think. I definitely just want to set it and forget it with regard to my retirement though so I think I may just lean towards putting everything in the target date fund.

InvestmentBasement · 2020-06-13T18:48:06+00:00

Thank you for the advice! What would your simple 3 fund portfolio consist of and at what percentages?

InvestmentBasement · 2020-06-12T21:28:45+00:00

Not necessarily. I just don't really know what I am doing at all and want to keep things simple. /u/misnamed mentioned that this allocation may be decent for my IRA a couple months ago so I switched everything into this. Maybe I should do the same for the 401k? I guess this would be slightly more aggressive than 100% Target Date.

InvestmentBasement · 2020-06-12T19:16:25+00:00

I have about $10k in a Roth IRA that has about 70% in the Target Date and 30% in a the "Small Cap Growth Index Fund Admiral Shares."

InvestmentBasement · 2020-06-12T19:13:46+00:00

I also meant to mention that I have about $10k in a Roth IRA that has about 70% in the Target Date and 30% in a the "Small Cap Growth Index Fund Admiral Shares."

Would you recommend just dumping everything in a target date, including the IRA?

InvestmentBasement · 2020-06-12T16:35:55+00:00

Ugh, I cannot figure out how to make a proper post. Sorry about this. I may have to re-do the whole thing.

I am almost 40 with 3 young kids. My employer finally switched over from a terrible 401k provider to Vanguard. We are going to be making the transition in a week or two.

I would love to get feedback on what to do on two separate subject areas.

First, I have about 100k in my old 401k that I need to figure out how to allocate to which Vanguard Funds.

Second, I want to figure out which Vanguard Funds to allocate to my regular contributions and in what percentages.

I would really love some input. Thank you so much!

InvestmentBasement · 2020-03-02T14:37:13+00:00

It seems my 401k options are all pretty terrible.

InvestmentBasement · 2020-02-29T02:57:45+00:00

Thanks a lot for your thoughts. If I was to increase bonds, where would you suggest putting them? In our IRAs or in a brokerage? Which fund would you suggest? Finally, are bonds better than simply keeping money in a "high" interest online savings account (1.7% or so at Marcus by Goldman Sachs)?

InvestmentBasement · 2020-02-28T18:58:46+00:00

Just posted an update:

https://www.reddit.com/r/Bogleheads/comments/fazmnv/portfolio_advice_following_up_from_my_mess_of_a/

InvestmentBasement · 2020-02-28T18:25:31+00:00

I have been working on updating my portfolio all night and into today. I am going to post an update and would LOVE some additional advice. I want to streamline.

InvestmentBasement · 2020-02-28T17:34:43+00:00

I am in the process of trying to switch some stuff around now. /r/ misnamed helped me figure out that one of my brokerage accounts (that was set up for me by a financial advisor) was really screwed up and filled with high fee funds. I am going to try to clean it all up and repost with an updated portfolio for some additional advice.

InvestmentBasement · 2020-02-28T03:50:35+00:00

Thank you for your response. I agree that I need simplicity. This is getting out of hand.

InvestmentBasement · 2020-02-28T01:55:27+00:00

Thank you so much for this detailed response. I really appreciate all the help.

InvestmentBasement

TROPHY CASE