Search found 3234 matches

by Duckie
Tue Aug 04, 2015 5:24 pm
Forum: Investing - Help with Personal Investments
Topic: Need help with my asset allocation plan.
Replies: 2
Views: 96

Re: Need help with my asset allocation plan.

Dan713 , welcome to the forum. What do you think of this plan overall? How would you tweak it, and why? It's way too complicated. REITs and TIPS don't belong in taxable. I'm a big fan of the Three-fund portfolio so I'd pick total US stock market, total international stock market, and intermediate-t...
by Duckie
Tue Aug 04, 2015 5:14 pm
Forum: Investing - Help with Personal Investments
Topic: All things being equal
Replies: 9
Views: 638

Re: All things being equal

On a side note, is there a sticky I can read about how to draw dividends for income without touching principle? I keep reading about income investments but from a technical and logistical perspective how does it work? In a taxable account just set it so that all dividends/distributions go to a mone...
by Duckie
Mon Aug 03, 2015 6:04 pm
Forum: Investing - Help with Personal Investments
Topic: Help with American Funds please!
Replies: 17
Views: 1030

Re: Help with American Funds please!

fordjunk , welcome to the forum. Is this a good idea to just consider this as a loss and move on with better funds and come out better in the long run? Or is it better to leave it in because it cost me so much to get into it? The loads are a sunk cost whether you move or stay, so ignore that aspect...
by Duckie
Mon Aug 03, 2015 5:53 pm
Forum: Investing - Help with Personal Investments
Topic: Intro + What to do with $30k for College Funding 2 years away
Replies: 5
Views: 334

Re: Intro + What to do with $30k for College Funding 2 years away

TBickle , welcome to the forum. ~$40k in Roth IRA (have been ineligible to contribute for last 7-8 years due to income) Since you list no non-Roth IRAs you could easily use the 
 Backdoor Roth IRA 
 method. We have about $30k leftover from this year's bonus that is just sitting in a savings account...
by Duckie
Mon Aug 03, 2015 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Edward Jones to Vanguard
Replies: 3
Views: 389

Re: Edward Jones to Vanguard

pappascw , welcome to the forum. All of my money at EJ is in Traditional IRA's so is it safe to say that I shouldn't have any tax consequences with the move? No tax consequences. Make sure you move the assets in a trustee-to-trustee transfer. Also does anyone have experience to know what fees EJ is...
by Duckie
Sun Aug 02, 2015 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: Help choose 401(k) funds as well as invest my savings
Replies: 5
Views: 369

Re: Help choose 401(k) funds as well as invest my savings

What do you mean by AA inside? When you look at a Target Date fund you check its Asset allocation . For example: ( RCFTX ) American Funds 2035 Target Date Retirement Fund R3 Class (1.10%) has a current AA of roughly 80% equities and 20% fixed. If you have to pay the loads, one of the TD funds (whic...
by Duckie
Sat Aug 01, 2015 4:22 pm
Forum: Investing - Help with Personal Investments
Topic: Help choose 401(k) funds as well as invest my savings
Replies: 5
Views: 369

Re: Help choose 401(k) funds as well as invest my savings

brightfuture , welcome to the forum. My employer will match 25.0% of my salary deferrals up to the first 6.0% of eligible compensation with a vesting schedule reaching 100% at the end of 6 years, so I plan to allocate 6% of my salary in Roth 401(k). I'd like help in choosing from the following fund...
by Duckie
Sat Aug 01, 2015 3:14 pm
Forum: Investing - Help with Personal Investments
Topic: Having an Issue with a Backdoor Roth. Help Would Be Appreciated!
Replies: 3
Views: 330

Re: Having an Issue with a Backdoor Roth. Help Would Be Appreciated!

Travis1 wrote:[W]e don't have any of those non-Roth IRAs at this point. So the rule mentioned above should be moot, right?

Right.
by Duckie
Fri Jul 31, 2015 5:16 pm
Forum: Investing - Help with Personal Investments
Topic: Having an Issue with a Backdoor Roth. Help Would Be Appreciated!
Replies: 3
Views: 330

Re: Having an Issue with a Backdoor Roth. Help Would Be Appreciated!

Can anyone explain how I should handle this? I would really appreciate it! Have your wife tell the current custodian she went above the income limits and they need to "recharacterize" the $1500 Roth IRA contribution to a TIRA. Once that's done she can either convert it back to the Roth IR...
by Duckie
Fri Jul 31, 2015 3:35 pm
Forum: Investing - Help with Personal Investments
Topic: Build a portfolio or stick with target date fund?
Replies: 10
Views: 1017

Re: Build a portfolio or stick with target date fund?

etxman , welcome to the forum. I am seeking a 70/30 allocation which would mirror the mix in my current target date fund, which is GMHZX. My initial thoughts were to invest in Equity Index and Medium Duration Bond, which at 70/30 would give me an overall .54 expense ratio. Yet, I'd lose out on expo...
by Duckie
Thu Jul 30, 2015 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Reverse Rollover of Trad. IRA into 401(k)
Replies: 3
Views: 237

Re: Reverse Rollover of Trad. IRA into 401(k)

Who is right? If the Trad. IRA provider is wrong, how can I convince them to send my 401(k) provider the pre-tax portion of the Trad. IRA? Your TIRA provider is wrong. Who is it? You don't tell the TIRA custodian about the deductible vs. non-deductible amounts. They don't need to know that informat...
by Duckie
Thu Jul 30, 2015 9:18 pm
Forum: Investing - Help with Personal Investments
Topic: Recently laid off but got a new job, I have some 403b questions
Replies: 8
Views: 608

Re: Recently laid off but got a new job, I have some 403b questions

I have looked into a roth, but I am not sure if it will be beneficial at this point in time to convert. The way it looks now, I probably will never jump to the next tax bracket so I wouldn't need to worry about being taxed at a higher rate when taking money out of my IRA. I think i'd rather keep th...
by Duckie
Thu Jul 30, 2015 7:27 pm
Forum: Personal Finance (Not Investing)
Topic: What to pay down in debt or save up for first.
Replies: 3
Views: 491

Re: What to pay down in debt or save up for first.

If you had $3500-$4000 a month to tackle the debt, the EF, and saving for house stuff, cars, and vacations, how would you allocate the money? I would set up / pay off in this order: ⋅ Emergency fund -- one month of expenses to start (will take two months to fund) ⋅ $13K Lending ...
by Duckie
Wed Jul 29, 2015 5:33 pm
Forum: Investing - Help with Personal Investments
Topic: Best Way to Approach Move to Index Funds in Complex Portfolio
Replies: 13
Views: 1184

Re: Best Way to Approach Move to Index Funds in Complex Portfolio

My main question right now is about how to approach the joint account. It has about $50K in capital gains (mostly long term) and I don't want to jack up our tax bill all at once. You need to list for yourself each individual asset (stock, bond, fund, ETF) in this taxable account and figure the curr...
by Duckie
Tue Jul 28, 2015 7:06 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Help
Replies: 2
Views: 202

Re: Portfolio Help

saveyour , welcome to the forum. The AF account gives me the largest headache on what I should choose. Should I stay in AF considering load fee already paid, what it would take to get out of it? What would be the down sides of moving the account somewhere else? I would roll the inherited IRA at Ame...
by Duckie
Mon Jul 27, 2015 9:49 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis Help - Needs complete re-balance/re-allocation
Replies: 6
Views: 475

Re: Portfolio Analysis Help - Needs complete re-balance/re-allocation

What would that change in your original allocation? Spartan Extended Market Index Fund Advantage Class (0.07%) --> 500 fund? If the 500 Index is in her current 401k I would change it to: Her current 401k -- $125K -- 43% 4% ( FUSVX ) Spartan 500 Index Fund Advantage Class (0.05%) 8% ( FSEVX ) Sparta...
by Duckie
Mon Jul 27, 2015 9:35 pm
Forum: Investing - Help with Personal Investments
Topic: Pls. suggest next steps to get to 3-Fund Portfolio
Replies: 2
Views: 365

Re: Pls. suggest next steps to get to 3-Fund Portfolio

From my 401K choices, ]how do I approximate it to Total US stock? VIIIX-VANG INST INDEX PLUS / OXPV-BTC RUSSELL 2500 Is 80/20 good enough or should I just forget the small cap itself? 80/20 is just fine. From my 401K choices, how do I approximate it to Total Ex-US stock? NON40OT4O-BTC ACWI EX US IM...
by Duckie
Mon Jul 27, 2015 8:48 pm
Forum: Investing - Help with Personal Investments
Topic: Civil Service [Federal] Employee Requesting Portfolio Help
Replies: 7
Views: 1015

Re: Civil Service [Federal] Employee Requesting Portfolio Help

When you suggest 40% bonds ... I think you're talking about in the TSP - do you mean the G Fund or the F Fund? What do you think my TSP AA should look like? I realize it's up to me to decide, but I'd appreciate your thoughts. I mean 40% of your entire portfolio, including the Roth IRA. But yes, I w...
by Duckie
Mon Jul 27, 2015 8:21 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning Questions
Replies: 5
Views: 876

Re: Retirement Planning Questions

The $80K and $11K are rollovers to Roth IRA's That means you can liquidate the assets without a tax-hit and roll the money to a better custodian. I prefer Vanguard but Fidelity has good/cheap Spartan index funds. Here are the options in the prudential: Assuming the last number is the expense ratio,...
by Duckie
Mon Jul 27, 2015 8:03 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis Help - Needs complete re-balance/re-allocation
Replies: 6
Views: 475

Re: Portfolio Analysis Help - Needs complete re-balance/re-allocation

Do you think it makes sense to replace AT&T with an REIT for a dividend diversification aspect? Do not put a REIT fund in a taxable account. If you want REITs either use the one in your old Fidelity plan or use the Roth IRAs. Not taxable!!! I am sure I got all of her options, but double checkin...
by Duckie
Mon Jul 27, 2015 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: TLH partners for VG international funds?
Replies: 7
Views: 365

Re: TLH partners for VG international funds?

I called Vanguard asking about moving from the MF to the ETF and mentioned TLH. The broker said that he didn't think that these funds would pass the test with the IRS. I think they track the same index, do they not? Their top holdings are identical. You can't move from the MF (VTIAX) to the ETF (VX...
by Duckie
Mon Jul 27, 2015 7:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Analysis Help - Needs complete re-balance/re-allocation
Replies: 6
Views: 475

Re: Portfolio Analysis Help - Needs complete re-balance/re-allocation

I don't know the difference between gross, net, and prospectus net expense ratios so where there was more than 1 listed ratio, I included all 3. Gross is what it costs the fund company to manage the fund. Net is what you would pay if you were buying retail. Some funds waive some fees lowering the e...
by Duckie
Sat Jul 25, 2015 5:51 pm
Forum: Investing - Help with Personal Investments
Topic: 403(b) help.
Replies: 5
Views: 442

Re: 403(b) help.

He wants me to choose one for him. Which one would you choose? I'd chose #2 of the three. 0.71% for emerging markets is too high for me. Is he planning to stay in the US? Because 50% international is also high for me. Can he contribute to a Roth IRA? He could use that for a better international fun...
by Duckie
Sat Jul 25, 2015 5:35 pm
Forum: Investing - Help with Personal Investments
Topic: What should I put in my Roth IRA if TDF's are "bad?"
Replies: 24
Views: 946

Re: What should I put in my Roth IRA if TDF's are "bad?"

I currently have 3k of VTSMX as the only holding in a taxable account. Seeing that it is an index fund I thought it'd be the best core holding. My next step after contributing to my Roth next year is actually to figure out what other mutual funds I should have in my taxable account in addition to V...
by Duckie
Thu Jul 23, 2015 6:38 pm
Forum: Investing - Help with Personal Investments
Topic: Civil Service [Federal] Employee Requesting Portfolio Help
Replies: 7
Views: 1015

Re: Civil Service Employee Requesting Portfolio Help

dlr7 , welcome to the forum. Is 90% stocks, 10% bonds too aggressive even with a pension? I always figured my pension + Social Security filled the more stable “bond portion” of my portfolio, so I have taken a lot more risk in my TSP & Roth. Now I’m wondering if I should I move to a higher bond ...
by Duckie
Wed Jul 22, 2015 10:20 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover 401K to ?
Replies: 3
Views: 357

Re: Rollover 401K to ?

As far as our AA, we do not have any other investments in IRA's at this point. The DW will get a few small pensions at age 65 and wants to take her SS at 62. I am planning to start a 457 with my employer (something I should have done years ago) and or a Vanguard account soon. The bulk of our retire...
by Duckie
Wed Jul 22, 2015 9:56 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Planning Questions
Replies: 5
Views: 876

Re: Retirement Planning Questions

UPSGUY1 , welcome to the forum. Im thinking that i need to ditch the Franklin Funds and possibly go to Vanguard Index Funds. Not sure about the American Funds but thought about doing the same for hers. The two of you currently have: Franklin Rising Dividends Fund-FRDPX-$23,424.27 Templeton Global S...
by Duckie
Wed Jul 22, 2015 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover 401K to ?
Replies: 3
Views: 357

Re: Rollover 401K to ?

fishNfool , welcome to the forum. She can roll the old 401k over to a Traditional/Rollover IRA at Vanguard. Vanguard has very low-cost funds. What she chooses to buy will depend on your joint AA and what else you have in your joint retirement portfolio. In other words, don't consider this one accou...
by Duckie
Wed Jul 22, 2015 7:58 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Review - 32yr, married, non-working spouse
Replies: 2
Views: 492

Re: Portfolio Review - 32yr, married, non-working spouse

techlion , welcome to the forum. I have a plan to rollover the money from my IRA to my 401(k). I want to do that because 1) I have access to lower expense funds on my 401(k) plan and 2) I want to move this money to avoid pro-rata rule when doing my $5.5k roth IRA backdoor contribution. Any issues w...
by Duckie
Tue Jul 21, 2015 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: How long does a company have to deposit withheld 401k funds?
Replies: 19
Views: 1924

Re: How long does a company have to deposit withheld 401k funds?

Does anyone know if she is under a legal requirement to make these deposits in a reasonable timeframe? Per the IRS here : "If your plan has fewer than 100 participants, your deposit is considered timely if it’s made within 7 business days after you withhold the salary deferrals even if you wer...
by Duckie
Tue Jul 21, 2015 6:25 pm
Forum: Personal Finance (Not Investing)
Topic: $11,000 bonus...where should I put it?
Replies: 27
Views: 2459

Re: $11,000 bonus...where should I put it?

cudds wrote:I knew there was a limit for traditional Roth IRAs (Front door Roth? ha) but didn't know the backdoor Roth had a limit. What is the limit?

It's not that there is a limit, it's because of the pro-rata rule. You can still do it, but it'll cost you.
by Duckie
Tue Jul 21, 2015 6:03 pm
Forum: Investing - Help with Personal Investments
Topic: Advice Sought in International Fund Choice
Replies: 24
Views: 1364

Re: Advice Sought in International Fund Choice

The common wisdom is to hold the International funds in your taxable account so as to capture the foreign tax credit on your 1040 each year.<snip> First Thought: That will cause a significant taxable event selling my TSM to convert to TISM.<snip> Second Thougt: I suppose I could do it in my tIRA an...
by Duckie
Sun Jul 19, 2015 4:11 pm
Forum: Investing - Help with Personal Investments
Topic: Do I Really Need a Financial Advisor?
Replies: 44
Views: 2994

Re: Do I Really Need a Financial Advisor?

wce , since you have $100K in a taxable account in mutual funds that I think you should sell eventually, make sure any automatic dividend reinvestment option is turned off in the account. That will mean when a dividend or distribution is paid, instead of buying more shares of the fund it will be fu...
by Duckie
Fri Jul 17, 2015 3:13 pm
Forum: Investing - Help with Personal Investments
Topic: Approximating VTSMX and general allocation questions in 401k
Replies: 12
Views: 650

Re: Approximating VTSMX and general allocation questions in 401k

BlackRock LifePath Index Fund! This is a good suggestion, but I can't find any stock/bond percentages for any of the target dates. Here are links to the BlackRock LifePath Index funds. When you go to the individual fund pages you can click on a Fact Sheet pdf (top right). That page will have the cu...
by Duckie
Fri Jul 17, 2015 2:02 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for portfolio critique
Replies: 5
Views: 658

Re: Looking for portfolio critique

I will shoot for a 25% Bonds, 75% Stocks of which 20% is international. That breaks down to 60% US stocks, 15% international stocks, and 25% bonds. So then: Taxable at Vanguard -- $29K -- 22% 7% (N/A) Various US stocks 15% (VTIAX) Vanguard Total International Stock Index Fund Admiral Shares (0.14%)...
by Duckie
Thu Jul 16, 2015 8:09 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for portfolio critique
Replies: 5
Views: 658

Re: Looking for portfolio critique

I am about to re balance my portfolio. I wanted someone to critique my new fund choices. kamikazekid , you have a desired AA of 80% stocks, 20% bonds (low for your ages), with 15% of stocks in international (also low). That breaks down to 68% US stocks, 12% international stocks, and 20% bonds. You ...
by Duckie
Thu Jul 16, 2015 7:46 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Trust Services
Replies: 12
Views: 1140

Re: Vanguard Trust Services

Here are several posts on this topic. I found this fee information in this pdf on page 6. Investment management fees Assets under management -- Annual fee *1 First $1 million -- 0.70% Next $1 million -- 0.35% Subsequent amounts -- 0.20% A minimum of $500,000 is necessary to establish a relationship,...
by Duckie
Tue Jul 14, 2015 5:10 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k investments
Replies: 18
Views: 1130

Re: Help with 401k investments

So i'm better off putting as much money as I can in the Roth IRA before increasing my 401k contribution? The general order for retirement contributions is: ⋅ Contribute enough to 401k plan to get the maximum match -- 4% in your case. ⋅ Contribute the maximum to Roth IRA -- $5.5K...
by Duckie
Mon Jul 13, 2015 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k choices and I have no clue. UPDATED
Replies: 27
Views: 1756

Re: Fidelity 401k choices and I have no clue. UPDATED

So 2 IRA's with 100% total international? Yes. Once you have $10K and can buy Admiral shares the cost is 0.14% instead of 0.22%. Or if you're at Fidelity the Advantage shares are 0.18% (subsidized). Is there anything at Fidelity that I could use to keep everything in one house or should I go ahead ...
by Duckie
Mon Jul 13, 2015 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: 401K Please Help!
Replies: 1
Views: 152

Re: 401K Please Help!

I'm just kind of curious is it smart to have both my 401k and Roth both going in a target date fund. It's not only smart, it's convenient. Vanguard target-date funds are excellent options (depending on plan expense ratios) for retirement assets in tax-sheltered accounts. (Once you start adding taxa...
by Duckie
Mon Jul 13, 2015 7:30 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k choices and I have no clue. UPDATED
Replies: 27
Views: 1756

Re: Fidelity 401k choices and I have no clue. UPDATED

HERE IS THE UPDATE EXP.... WHAT DO WE NEED TO PUT IN MY ROTH AND HER ROTH. Given the updated information I stick with what I wrote above. Open the Roth IRAs at Vanguard and buy Total International. WE LOOK TO MAX OUT EACH ROTH EACH YEAR STARTING SOON AND CONTRIBUTING AT LEAST 20% TO EACH 401K,,,, S...
by Duckie
Mon Jul 13, 2015 7:20 pm
Forum: Personal Finance (Not Investing)
Topic: 403(b) Class A or C better than Taxes?
Replies: 2
Views: 209

Re: 403(b) Class A or C better than Taxes?

JoeSullivan , welcome to the forum. my wife just began a job that offers a 403(b), but all fund options are Class A or C (fees, right?). Beginning investments so late in life, we want to put everything in we can. If we use the max limit for the 403(b), this pre-tax investment is still wise--even in...
by Duckie
Mon Jul 13, 2015 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k investments
Replies: 18
Views: 1130

Re: Help with 401k investments

I'm sure I could get around 4 to 5k this year and for sure the 5500 limit next year, but if for some reason I can only get 2-3k a year how would that affect me? It only affects the initial amount. You need $3K to open most funds. Once you've got one started then adding only $2-3K per year is fine. ...
by Duckie
Mon Jul 13, 2015 6:49 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity 401k choices and I have no clue. UPDATED
Replies: 27
Views: 1756

Re: Fidelity 401k choices and I have no clue. UPDATED

WHAT SHOULD WE HAVE IN OUR 401K AND WHAT WOULD YOU RECOMMEND FOR EACH OF OUR ROTH IRA THAT I PLAN TO START ASAP!! The best options in his 401k are: (FXSIX) SPTN 500 INDEX INST (0.05%) (FXSTX) SPTN US BOND IDX IS (0.07%) The best options in her 401k (without knowing the plan expense ratios) are: (VI...
by Duckie
Mon Jul 13, 2015 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Fidelity equivalent of VWITX
Replies: 1
Views: 323

Re: Fidelity equivalent of VWITX

retire14 wrote:Looking for the Fidelity equivalent of Vanguard's VWITX (Intermediate Muni bond). I found FLTMX and want to be sure that are somewhat equivalent.

They are very similar and seem to follow the same track when comparing them on Morningstar. Of course VWITX is cheaper.
by Duckie
Mon Jul 13, 2015 6:07 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor roth IRA vs betterment
Replies: 2
Views: 180

Re: Backdoor roth IRA vs betterment

hammond , welcome to the forum. I am familiar with the backdoor roth ira technique. However mu understanding is that I can withdraw the roth ira only at the age of 59 1/2 . Is this true? You can withdraw your contributions at any time for any reason. Using the backdoor method however means conversi...
by Duckie
Mon Jul 13, 2015 5:36 pm
Forum: Personal Finance (Not Investing)
Topic: Withdrawing Roth IRA contributions next year
Replies: 2
Views: 224

Re: Withdrawing Roth IRA contributions next year

bene1 , welcome to the forum. Say I contribute $5,500 to the Roth this year. I can take out those contributions for an emergency and repay them this tax year, back up to $5,500. Yes, but you have only 60 days to repay or the withdrawal is considered permanent. Now let's say there's an emergency nex...
by Duckie
Mon Jul 13, 2015 4:12 pm
Forum: Personal Consumer Issues
Topic: Moving from LCOL to HCOL
Replies: 19
Views: 2403

Re: Moving from LCOL to HCOL

ecvol, you don't need a car in Washington DC. You can rent one to leave town and visit family and if you need one temporarily in town you can use one of the car-sharing companies.
by Duckie
Mon Jul 13, 2015 3:56 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 401k investments
Replies: 18
Views: 1130

Re: Help with 401k investments

I was wondering based on my choices how much should I contribute to my 401k, my company matches 100% up to 4% should I go higher? With an income of ~$34K, if you contribute 4% that's only $1360 per year. Even with a match that's not much. Is the match dollar for dollar or less? How much do you thin...
by Duckie
Sun Jul 12, 2015 4:06 pm
Forum: Investing - Help with Personal Investments
Topic: Tax-loss harvesting with 3-fund portfolio at Fidelity
Replies: 10
Views: 682

Re: Tax-loss harvesting with 3-fund portfolio at Fidelity

bostondan wrote:When it comes time to tax-loss harvest, which three funds should I use to replace each of them?

You could replace:
    FSTVX with FUSVX or an 80/20 combination of FUSVX and FSEVX
    FSGDX with FSIVX or an 80/20 combination of FSIVX and FPMAX
    FSITX with FIBAX

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