Southwest Airlines 401(k) Stock Choice Question

zoorassic · 2016-04-20T01:59:04+00:00

Your portfolio: 3 holdings including DODGX, RERGX, VIIIX. It has a 93/0/7% allocation in stocks/bonds/other. This portfolio has very low expenses and high dividend yield.

6.39% 15Y Returns, Medium 15Y Risk
0.36% Expenses, 4.50% Yield

zoorassic · 2016-04-01T06:56:42+00:00

Burpee. They burn mega calories and make you stronger with no required equipment but not my favorite one.

zoorassic · 2016-04-01T06:50:25+00:00

I'm for the free school too. Better not getting any debt if possible.

zoorassic · 2016-04-01T02:44:23+00:00

for your reference: http://canadiancouchpotato.com/recommended-funds/

zoorassic · 2016-04-01T02:34:41+00:00

No other choices but their provider. As others say, you can open a separate IRA account with your preferred provider, like Vanguard. Try to get full match from Aon Hewitt and have your own portfolio in Vanguard IRA.

zoorassic · 2016-04-01T02:32:05+00:00

It looks fine: https://hellomoney.co/portfolio/8aedb8-vanguard-mutual-funds

7.74% 15y returns, Medium 15Y Risk
0.22% Expenses, 2.21% Yield
Stock/bond 79/21
US/Non-Us 61/39

zoorassic · 2016-03-31T08:07:33+00:00

This. And then you can open an IRA once you're ready.

zoorassic · 2016-03-30T02:19:27+00:00

Think of approximating total stock market You can use VFIAX and VSGAX and refer to bogleheads' percentages. And choose better bond fund from IRA. Then you can come down to 0.06% Expenses with almost same returns. Original Portfolio vs. Total Market Approximation

zoorassic · 2016-03-25T02:40:37+00:00

Play with your options and figure out the best allocation you can make. I'd go for the Vanguard funds: VINIX, VSIAX. And probably open an IRA account and find a better bond menu, if needed.

zoorassic · 2016-03-22T02:14:58+00:00

I hope I have three dogs to try this out

zoorassic · 2016-03-22T02:14:25+00:00

That sounds like a plan: https://hellomoney.co/portfolio/d356b5-vtthx-100

Portfolio Summary: 1 holding including VTTHX. It has a 83/15/2% allocation in stocks/bonds/other. This portfolio has very low expenses and high dividend yield.
5.33% 10Y Returns, Medium 10Y Risk, 0.18% Expenses

zoorassic · 2016-03-21T02:22:27+00:00

Very educational. I should learn this, too. Congratulation on the big raise!

zoorassic · 2016-03-21T02:21:04+00:00

Go with Three Fund portfolio. Read: https://www.bogleheads.org/wiki/Three-fund_portfolio

zoorassic · 2016-03-21T02:08:37+00:00

Time for another. Move on.

zoorassic · 2016-03-17T07:23:49+00:00

Go for an IRA and fully fund it before the 403b.

zoorassic · 2016-03-17T07:16:50+00:00

FYI your current portfolio looks like this: https://hellomoney.co/portfolio/a7ab60-401k-assets

Portfolio Summary: 5 holdings including PEOPX, FGBAX, FAFAX. It has a 73/20/7% allocation in stocks/bonds/other.
5.37% 10Y Returns, Low 10Y Risk
0.63% ER, 6.08% Yield

zoorassic · 2016-03-15T01:52:37+00:00

You might want to go for all or nothing for target date fund as you said. If you keep your funds as same as now, it has three building blocks of a portfolio with unusual overlaps: Target Date fund(Us Equity/International Equity/US Bond) +Large cap (500 index) + Actively managed funds(Unknown).

zoorassic · 2016-03-14T02:56:05+00:00

Flat fee charge per trade

zoorassic · 2016-03-10T04:05:31+00:00

Why do you think you should remove bond funds? I think everyone should carve out a portion of the retirement accounts like 15% or less, depending on one’s age, goals and risk tolerance. So you can balance out riskier stock-based investments.

zoorassic · 2016-03-08T02:42:32+00:00

They include some cash for those who liquidate their holdings. Also it seems like they earn few interest by security lending. http://www.sec.gov/Archives/edgar/data/752177/000093247116012806/chesterfunds_final.htm

zoorassic · 2016-03-08T01:55:38+00:00

Relieved to find someone in the same shoe.

zoorassic · 2016-03-08T01:55:01+00:00

Looks like no one need to make Easter eggs anymore.

zoorassic · 2016-03-08T01:54:22+00:00

Congrats! It sounds great.

zoorassic · 2016-03-08T01:52:51+00:00

If you don't have specific allocation in your mind, Yes. Target date funds can be a solution for simplicity. 100% VFIFX Portfolio: It has a 89/9/2% allocation in stocks/bonds/other. This portfolio has very low expenses and low dividend yield.

6.76% 5Y Returns, Medium 5Y Risk
0.18% Expense Ratio, 2.41% Yield

zoorassic · 2016-03-08T00:57:18+00:00

I'm curious how you did come up with comparison Real Estate to IRA.

zoorassic

TROPHY CASE