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I really need help making sure my target allocation is correct. Really looking forward to your comments! I'm not really sure what your question(s) actually are. Are you wanting to make sure your math is correct? One thing that might help, in your original post, can you make the percentages be the a...

I really need help making sure my target allocation is correct. Really looking forward to your comments!

It's that time of year again and need an annual Boglehead checkup. I'd like to meet my target allocation of 40% U.S. stock, 30% Intm bond, 20% Foreign Stock, 10% Real Estate (REIT). Our Info: Emergency Fund: Yes - 12months Debt: $170k mortgage @ 3.375% Tax Filing: Married filing Jointly Tax Rate: 25...

And frankly, there is something unseemly about a bond fund wanting 3.75%-4.50% up front in a time when yields are so low. Go with PIMCO Total Return. Skip the up front load(s). Thank you. My thoughts exactly how bonds want that kind of upfront load. Either way, just wanted to do a sanity check. App...

You have all helped me so much consolidate and lean my portfolio - I have just one more favor! I'm looking to put money into Intermediate Bonds, my wife's 457 has the following options: Neuberger Berman Core Bond (NCRAX, 0.87% and 4.25% Front Load) PIMCO Total Return (PTRRX, 1.1%) Federated Bond (FD...

If you're looking to use this money in the near-term, perhaps a money market. Granted the best rates I've seen are from Ally right now (around 0.8%), but the money can be used as if it were in a Savings account. Good luck

EDITS: misunderstood OP's current vs. proposed. Revised version here. I misunderstood that you were switching the 457 to a new Her Traditional IRA Taxable 4% I Bond His 401k <--- Future contributions, $16,590 per year, go here, in same proportions 34% S&P 500 Indexed Equity Fund SVSPX (0.11%) 8...

In my opinion your desired asset allocation is within the range of what is reasonable. In constructing a portfolio, generally strive for a combination of low cost and broad diversification. Fortunately the 401k and 403b have some nice choices, so there are probably several good ways to do this. If ...

First off, Easy Rhino and hoppy08520 - THANK YOU! I appreciate your help. Her 457 4% Her 457B I'm planning to pull the 457B from the advisor and invest in a traditional IRA at Vanguard, which do you recommend to fit within our overall portfolio? HER Roth 0% Vanguard TBM I'm confused with the 0%... A...

Hello, I'm trying to come up with a possibility but I'm stuck on how/where to send new contributions. I'm trying to come up with something that is reasonably balanced today and which can also stay balanced given ongoing contributions without needing to do frequent rebalancing/exchanging. You give f...

Do you know what investments are available in her 457 plan/advisor? The other question is if she's allowed to do a transfer out of her 457 while still employed. The main reason we'd like to pull the money is because the advisor won't share that information. He's states that this is a "managed&...

unless you have somewhat significant other income that you aren't listing, I think you can get to the 15% bracket... but depends if you want to break that $20K savings item you've listed... and also depends on the restriction of 3% for wife contributions. What's the deal there anyway? We don't have...

You left out an important part, unless your earlier post settled the question, which is what funds you're going to use. Not much point in looking at your "current" portfolio if you don't have your "proposed" portfolio. I was hoping the community could help with that, based on th...

I’ve been lurking for some time now and have posted a few questions – thank you all for the feedback. I’m getting ready to make changes to our (my wife and my) retirements accounts. The feedback I got was that I need to view everything we have as one portfolio - I couldn't agree more. Our goal is to...

mptfan wrote:Did they ask you for help? In my experience, unsolicited financial advice is not well received.

I agree - I certainly wouldn't tread on those waters. The help was solicited.

Looking for advice for my in-laws. They're in their mid-50's and don't have much saved for retirement, due to health issues that occurred years ago. Right now, I'm trying to help create a portfolio - with $20k where they can put money with low risk and yield a better return than a standard savings a...

In my opinion your desired asset allocation is within the range of what is reasonable. In constructing a portfolio, generally strive for a combination of low cost and broad diversification. Fortunately the 401k and 403b have some nice choices, so there are probably several good ways to do this. If ...

I appreciate the comments so far - I've updated my original post with all of the relevant info.

An additional question: Which Vanguard funds should I contribute toward with both (his and her's) IRA money? Right now it's the Wellington (VWELX) and Target 2050 Fund (VFIFX)...

We need the selections (with expenses) for the 401(k)/403(b)/457. Brian His 401k options (couldn't find fees of ticker symbols): Government Short Term Investment Fund HSJYX (0.17%) Stable Value Fund (0.3%) Broad Market Bond Index Fund NOBOX (0.13%) S&P 500 Indexed Equity Fund SVSPX (0.11%) Valu...

Are those CD's part of the emergency fund, or just cash sloshing around in your life? Not part of the emergency fund, just extra cash sloshing around :) And for the 457, i don't know what "managed" means, and 0.25% expense ratios seem far too low, I wonder if the advisor is charging a fee...

We need the selections (with expenses) for the 401(k)/403(b)/457. Brian His 401k options (couldn't find fees of ticker symbols): Government Short Term Investment Fund Stable Value Fund Broad Market Bond Index Fund S&P 500 Indexed Equity Fund Value Equity Fund Investment Company of America Fund ...

First and foremost, thank you. I appreciate any comments, recommendations, and/or insight anyone can provide with me regarding investing. These forums appear to be a wealth of knowledge and I've been extremely impressed with the recommendations and insights that those commenting have provided. My wi...