Suggestion for 401k funds

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Suggestion for 401k funds

Postby slowlrnr » Fri Feb 01, 2013 8:37 pm

Thank you for your previous inputs and I am updating my original post after changes that all of you have suggested.

Emergency funds: 4 Months

Debt: No Car loans or CC loans
Mortgage - 4.75% interest - 550K loan amount left
Tax Filing Status: Married filing Jointly
Tax Rate: 10.2% Federal, 11.3% State
State of Residence: CA
His Age: 37
Her Age: 35
Desired Asset allocation: 60% stocks / 40% bonds
Desired International allocation: 50% of stocks

Current retirement assets

Her Taxable
6.4% Vanguard Total Bond Market Index Fund (VBMFX)
4.8% 30% Vanguard Total Stock Market Index Fund (VTSMX)
4.8% Vanguard Total International Stock Index Fund (VGTSX)

His Taxable
6.4% Vanguard Total Bond Market Index Fund (VBMFX)
4.8% 30% Vanguard Total Stock Market Index Fund (VTSMX)
4.8% Vanguard Total International Stock Index Fund (VGTSX)

His 401k
24%
No Company Match

Her 401k
Currently company not offering 401k

Her Roth IRA
8% Vanguard Target Retirement 2045 Fund (VTIVX) (0.18%)

His Roth IRA
8% Vanguard Target Retirement 2040 Fund (VFORX) (0.18%)

Her Rollover IRA
18% Vanguard Target Retirement 2045 Fund (VTIVX) (0.18%)

His Rollover IRA
9% Vanguard Target Retirement 2040 Fund (VFORX) (0.18%)

Her 403b
Not Offered

His 403b
Not Offered

Total of All Accounts Together (not each account individually) should equal 100%.



Available funds

Funds available in his 401(k)
Fund ticker Net Expense Ratio
American Century Ginnie Mae Institutional AGMNX 0.35%
SSgA S&P 500 Index Securities Lending Series Fund 0.36%
SSgA U.S. Bond Index Securities Lending Series Fund 0.47%

Questions:
1. Please help pick up funds from 401k funds available

2. Any other suggestions to increase returns or to change funds?
Last edited by slowlrnr on Thu Mar 21, 2013 1:13 pm, edited 3 times in total.
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Re: Suggestion for 401k funds

Postby linuxuser » Fri Feb 01, 2013 10:07 pm

Without knowing the rest of your portfolio, in other words, what other savings you have and in what they are invested, it is hard to give a good answer.

However, the only two funds I would be interested in from your 401K are SSgA S&P 500 Index Securities Lending Series Fund Class VIII 0.36% and SSgA U.S. Bond Index Securities Lending Series Fund Class VII - 0.47%
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Re: Suggestion for 401k funds

Postby LAlearning » Fri Feb 01, 2013 10:17 pm

You should ask your portfolio in this fashion: http://www.bogleheads.org/forum/viewtopic.php?f=1&t=6212

As linuxuser said, you probably should only be interested in the S&P500 Index and Bond Index. Use her 401k (don't know what's available) and your Roth's (don't know where) to round out the rest.
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Re: Suggestion for 401k funds

Postby linuxuser » Fri Feb 01, 2013 10:19 pm

Since you have no debt, you should look into refinancing that mortgage.
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Re: Suggestion for 401k funds

Postby slowlrnr » Tue Feb 05, 2013 5:16 pm

DoublePost
Last edited by slowlrnr on Thu Mar 21, 2013 1:14 pm, edited 1 time in total.
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Re: Suggestion for 401k funds

Postby slowlrnr » Tue Feb 05, 2013 10:06 pm

Please suggest on which 401k funds should I invest in?
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Re: Suggestion for 401k funds

Postby slowlrnr » Tue Mar 12, 2013 8:46 pm

Bump.

Changed the original post to match the format for questions.

Please provide any suggestions you think or you may do for yourself based on the data provided.
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