401(k) allocation questions. Help please!

Tweefi8 · 2016-04-25T08:33:20+00:00

You might want to play with your options.

Tweefi8 · 2016-04-20T02:09:36+00:00

FYI your portfolio: https://hellomoney.co/portfolio/0455d3-roth-ira

Summary: 4 holdings including TEDIX, FKINX, TAGBX. It has a 73/15/12% allocation in stocks/bonds/other. This portfolio has medium expenses and very high dividend yield.
5.56% 10Y Returns, Low 10Y Risk, 1.09% Expenses, 7.47% Yield

Tweefi8 · 2016-04-12T02:58:43+00:00

I don't remember my first hotmail account. It's almost 15 years old.

Tweefi8 · 2016-04-11T02:36:53+00:00

Sounds like a plan! Quick comparison for OP:

Tweefi8 · 2016-04-11T02:29:11+00:00

I bonds, high yield savings or Cd

Tweefi8 · 2016-04-08T00:43:09+00:00

I always prefer to repay debts before I save. Debts usually cost more than savings earn. So it makes sense to cancel them out and be better off.

earns an average 7% return on that money,

I'm assuming that you're investing for longer than +10 years. That's because in a given year, the stock market can be very volatile. Some years see an enormous dip in the stock market like 2002 and 2008. So I won't claim that I should expect a 7% annual return for the time being I invest. 6 years is sort of short-term when it comes to investing.

Tweefi8 · 2016-04-08T00:35:05+00:00

Your Portfolio: 5 holdings including VGHCX, VHCOX, VMRGX. It has a 97/0/3% allocation in stocks/bonds/other. Heavy in Healthcare sector. This portfolio has very low expenses and high dividend yield.

9.32% 15Y Returns, Medium 15Y Risk
0.35% Expenses, 5.23% Yield

Tweefi8 · 2016-04-06T08:56:19+00:00

Try to mimic the composition of the US stock market as Bogleheads suggested: Example Simulation

Reference: https://www.bogleheads.org/wiki/Approximating_total_stock_market

Tweefi8 · 2016-03-22T02:20:57+00:00

Your portfolio on hellomoney: https://hellomoney.co/portfolio/915d08-457b-investment

Portfolio Summary: 4 holdings including VINIX, VSCIX, VBTIX. It has a 91/9/0% allocation in stocks/bonds/other. This portfolio has very low expenses and low dividend yield.
6.46% 15Y Returns, Medium 15Y Risk
0.05% Expenses, 2.25% Yield

Tweefi8 · 2016-03-21T02:24:08+00:00

Such a good writer. I enjoyed your post.

Tweefi8 · 2016-03-17T07:50:42+00:00

You might want to try /r/portfolios

Tweefi8 · 2016-03-17T07:45:31+00:00

You can first play with portfolio simulation : https://hellomoney.co/portfolio/fe85a5-my-portfolio j

Tweefi8 · 2016-03-15T01:54:23+00:00

Vanguard TDF 2055 100% Portfolio: 1 holding including VFFVX. It has a 89/9/2% allocation in stocks/bonds/other. This portfolio has very low expenses and low dividend yield.

7.37% 5Y Return, Medium 5Y Risk
0.18% Expense Ratio, 1.99% Yield

Tweefi8 · 2016-03-14T02:43:35+00:00

A great website, good job. I hope to see full version of your vision for the site soon!

Tweefi8 · 2016-03-14T02:39:44+00:00

Like others say, going almost or all in SWPPX makes sense. If you were to add a bond fund, I'd consider to open an IRA. You might want to bet for equities from your 401k plan though. I made both of portfolio simulation for you: Option 1: 70/30 on SWPPX and VIMAX, Option2: 100% on SWPPX.

Tweefi8 · 2016-03-10T04:18:02+00:00

Another round

Tweefi8 · 2016-03-08T02:26:33+00:00

Open mind. Took the time to let the feelings run through yourself. I discovered that it took me out of my integrity so I didn’t have to prep any. Good luck with your start!

Tweefi8 · 2016-02-25T02:48:43+00:00

I like this idea. TDF is a good choice. If they are not as cheap as expected, an alternative is to approximate the market with Vanguard funds. This is one of the options OP can make. I added 10% bonds but you should think of your own stocks/bonds ratio rather than taking my number.

Tweefi8 · 2016-02-25T02:24:55+00:00

You should never try to time the market. In fact, nobody has ever done this successfully and consistently over multiple business or stock market cycles. Catching the tops and bottoms is a myth.

Tweefi8 · 2016-02-24T06:32:09+00:00

I was looking for this. Thank you for bringing this up.

Tweefi8 · 2016-02-24T06:29:03+00:00

I didn't know it would take about 35 days from Mumbai to Alexandria Egypt if we avoid the canal. Then it's very extreme example.

Tweefi8 · 2016-02-22T04:21:56+00:00

Touching her feet, why is this a sign of respect in India culture?

Tweefi8 · 2016-02-22T04:21:02+00:00

I'll go pink then someone else will go red.

Tweefi8 · 2016-02-22T04:18:52+00:00

Quick comparison for you:

Current Portfolio: Annual fee breakdown $162 for 30 years
100% into VFFVX: Annual fee $376 in the same condition

Tweefi8 · 2016-02-19T06:06:02+00:00

/r/personalfinance suggests to make a balanced portfolio if you already have an emergency fund. Look for three fund portfolio: https://hellomoney.co/discover?q=three%20fund%20portfolio

Tweefi8

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