mwow83 wrote:Alrighty, I have edited my initial post with the entire portfolio percentages. My goal is to make sure I have my target allocation of 40% U.S. stock, 30% Intm bond, 20% Foreign Stock, 10% Real Estate (REIT).
Thanks. When I added these up in a spreadsheet, I see:
43.7 - US Stock
22.5 - International
5.8 - REIT27.9 - Bonds
You can't get to 10% REIT because your IRAs aren't big enough, so you'll just need to make do with the 5.8%. Your bond allocation is a bit below what you'd like. To correct that, you can shift some of the stocks in His 401k into the NOBOX bond fund, which tracks the Barclays US Agg Bond benchmark which is mostly intermediate term bonds but some long term as well (per http://www.brightdirections.com/pdfs/in ... X-fact.pdf
). Perhaps, if you're rebalancing shift 0.75% each from the 500 index and EAFE fund into the Bond fund, and also shift 0.25% each from the Mid/Small and EM funds. That's 2% total and gets you up to 29.9% bonds overall.
0% Broad Market Bond Index Fund NOBOX (0.13%)
Including REIT as US stock, your US/Intl split is 69/33. You want to be 71/29, so you're close there.
The ratios you have for 500 Index : Mid/Small is 81/19 which looks about right. When I plug your amounts into Morningstar Instant XRay, it looks like your holding give you a slight small cap tilt, if that's what you're looking for.
The ratios you have for MSCI EAFE : EM is around 75/25, which is probably about right, although according to Morningstar, your "emerging markets" fund is actually only 75% EM and 25% developed markets. Keep in mind that your international holdings have 0% in small cap stocks. I believe small cap stocks are around 10% of the investable international stock market. If/when you get your IRAs bigger, then you might want to look into a small cap intl fund (VFSVX/VSS) or see if you can hold Vanguard Total Intl Stock Market Index fund (VGTSX) in the IRAs if you want a more complete international holding.
Overall, I think your "checkup" looks pretty good and you seem to be pretty close to where you want to be, although you can't get to 10% REIT given your accounts unless there's another REIT fund hiding in one of the employer plans that you didn't list or I didn't notice.