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Re: AA question, please help

I think you can tell from both Landy's response and mine that while a 3 fund portfolio is possible, a five or six fund portfolio is more realistic for those in the acquisition stage who are trying to keep costs low while owning most market segments (to increase their yield a bit). For bonds, my pre...
by MCDavis
Mon Apr 08, 2013 1:12 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA question, please help
Replies: 12
Views: 587

Re: AA question, please help

Her Roth 403b: 7% FSTVX SPTN TOT MKT IDX ADV 0.07% 3% FSIVX SPTN INTL INDEX ADV 0.17% 10% FPEMX Fidelity Spartan EMkts Idx Inv 0.33% <-- you didn't show >0.30% ER, assuming she has FPEMX available to complete FSIVX that is missing Emerging Markets There is no FPEMX, but there is FPMAX sptn EM Mkts ...
by MCDavis
Mon Apr 08, 2013 1:10 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA question, please help
Replies: 12
Views: 587

Re: AA question, please help

I have been reading about 3-fund portfolio and would like to seek help in getting my AA settled.... Age: 40/38 Desired Asset allocation: 70% stocks / 30% bonds Desired International allocation: 30% of stocks Welcome! If it's 3 fund portfolio you want. Taxable: 2% VWSTX (Vanguard Short-Term Tax-Exem...
by MCDavis
Fri Apr 05, 2013 4:41 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA question, please help
Replies: 12
Views: 587

Re: AA question, please help

Tax Rate: 15% Federal, 7% State New annual Contributions $17500 his 401k (4%) $17500 her 403b (no match) $5000 his Roth IRA $5000 her Roth IRA $12000 taxable (for retirement, not short term goals) Are you sure you're in the 15% federal bracket with $57k of annual contributions? Sorry, typo: should ...
by MCDavis
Fri Apr 05, 2013 4:34 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA question, please help
Replies: 12
Views: 587

Re: AA question, please help

I started with Target funds in my 401K before I decided to go with individual funds later, but I did not try to convert the previously held Target funds. That's why you see them still remaining in my portfolio. It is my goal to go to fewer funds with lower/lowest ERs in my whole portfolio.
by MCDavis
Fri Apr 05, 2013 2:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA question, please help
Replies: 12
Views: 587

AA question, please help

I have been reading about 3-fund portfolio and would like to seek help in getting my AA settled. Please help. Emergency funds: 6 months Debt: mortgage, 3.375%/30y. Tax Filing Status: Married Filing Jointly Tax Rate: 15% 25% Federal, 7% State State of Residence: North Carolina Age: 40/38 Desired Asse...
by MCDavis
Fri Apr 05, 2013 1:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: AA question, please help
Replies: 12
Views: 587

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