2a. Since I do not have enough investment yet for one Spartan index fund ($10,000 min)
1. I feel like I have too many funds, and there is more than likely some overlapping, so some guidance on which ones to eliminate would be awesome.
ImprezaRacer13 wrote:Hi bogleheads,
EF: $3,600 (about 4 months)
Debt: Car - $13,400 @ 3.9%
Roth IRA through Fidelity: $4,400
1.1% Cash Reserves, $50
28.72% Low Priced Stock (FLPSX) - 0.83%
62.22% New Markets Income (FNMIX) - 0.87%
7.59% Annaly Management REIT (NLY)
403(b) through Fidelity: < $10,000
20.79% Contrafund K (FCNKX) - 0.69%
19.95% Low Priced Stock K (FLPKX) - 0.83%
18.19% Blue Chip Growth K (FBGKX) - 0.75%
16.27% Capital & Income (FAGIX) - 0.76%
7.37% Government Money Market (SPAXX) - 0.42%
5.69% Mega Cap Stock (FGRTX) - 0.79%
4.25% Small Cap Value (FCPVX) - 1.13%
3.86% Small Cap Discovery (FSCRX) - 1.08%
2.47% OTC K (FOCKX) - 0.83%
1.16% Strategic Dividend & Income (FSDIX) - 0.84%
Available Funds Through 403(b):
-Freedom K 2000-2055
Haha, cool picture! For now, I have a 2010 Impreza 2.5i but after it is driven into the ground (hopefully after 300,000 miles..) I'm planning on getting a WRx, as long as it is a practical situation. I've looked at the Three Fund Portfolio and I would really like to do something like that with Vanguard funds. However, if needed, I can start it with iShares ETFs.
ImprezaRacer13 wrote:Hi Jay,
If you recommend going with the Vanguard ETFs over iShares ETFs, which for Fidelity users do not have transaction fees, would you recommend just moving the Roth IRA over to Vanguard?
Ooo, that's a flashy car and I agree. Hopefully in a few years I can find a nice 2009-2012 WRx on the cheap to at least act as a numbing agent to that itch!
Reading up on the Three Fund Portfolio, would you recommend altering the allocations at all? I feel that I'd be more in line for a 15-20% bond holding. Looking at the "Core Four," I'm liking the REIT holding aspect, for I have a little bit invested already..though if NLY would ever rebound (of course I bought it when it was 18/share), I think I would put that money into iShare's REIT ETF. Thanks!
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