I'm confused, is the bottom what you are going to add using cash, because it adds up to 69%? Could you just give us what portfolio that you are going to implement?
In my opinion your proposed asset allocation is within the range of what is reasonable. I do think that mid/small caps should be included, at least as part of a total market fund and perhaps more if you wish.toblerone wrote:Age: 43
Desired Asset allocation: 70% stocks / 30% bonds
Desired International allocation: 30% of stocks
Desired Small/Mid cap allocation: 30%-50% of domestic stocks <-- worthwhile?
toblerone wrote:I didn't mention it before but I would like to stay away from ETFs in the Schwab 401k (for now) if there are good mutual fund alternatives, and the Vanguard Total Intl mutual fund (VGTSX) seems pretty expensive at 0.22% (but it does have 6X the holdings of the Fidelity fund). I agree I would like to have EM, small caps, and Canada in the 401k international fund
toblerone wrote:The bond fund change looks good. I think I might wait until the next planned re-allocation to switch those around, and learn more about investing in the meantime. Good plan? Also at that time I might switch the Roth and taxable to Vanguard.
ruralavalon wrote:I see nothing dangerous in your current portfolio that cries out for an immediate change, so I see nothing wrong in waiting while you learn more. Just don't get yourself caught up in "analysis paralysis" seaching for the perfect plan
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