Suggestion for 401k funds

[slowlrnr]

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?

[linuxuser]

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%

[LAlearning]

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.

[linuxuser]

Since you have no debt, you should look into refinancing that mortgage.

[slowlrnr]

DoublePost

[slowlrnr]

Please suggest on which 401k funds should I invest in?

[slowlrnr]

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.