Investment planning an 401K Rollover
Posted: Sat May 12, 2012 10:22 pm
Quick questions regarding my portfolio and rolling over 401K to an IRA. I wanted some advice on my portfolio. I am client of First Command and have been for awhile. I have really had it with them and want to move my money elsewhere. USAA have been in contact with me and seem interesting. Do you have any advice on USAA investment products? USAA recommended me a 53/43 moderately aggressive model. My wife has a 401K that’s with Caremark but another company bought which is Amerisource Bergen. Should she roll over to an IRA, go with new company 401K, or mixture of both. She currently doesn’t have an IRA but I do.
Emergency funds YES
Debt: NONE
Tax Filing Status: Married filing Jointly
Tax Rate: 15% Federal 0% State TX (military)
Age: 37 spouse: 40
Desired Asset allocation: 60/40
Intl allocation: 50% of stocks
My Current portfolio is managed by First Command 123,844.07
ER: 1.19%, 1.58%, 1.25%, 1.18%, 1.07%, 1.03%
I was investing $950 a month but stopped in January, I only contribute to my Roth IRA $350 a month
Asset Allocation
70.15 US Stocks
19.29 Non US Stocks
5.73 Bonds
2.83 Other
1.99 Cash
1 YR ( 5.91)
3YR ( 18.72)
5YR (.17)
10YR (5.41)
Fidelity Advisor Equity Growth Fund EPGAX $6,820.27(1.19%)
Invesco International Small Company Fund IEGAX $13,504.17 (1.58%)
Pioneer Independence Voluntary Fund PINDX $39,099.42(1.25%)
Pioneer Independence Voluntary Fund PINDX $27,323.07 ROTH IRA (1.25%)
Pioneer Cullen Value Fund CVFCX $14,153.00 (1.18%)
Fidelity Advisor New Insights Fund FNIAX $11,848.91 (1.07%)
Fidelity Advisor Strategic Real Return F FSRAX $11,095.23 (1.03%)
SPOUSE has 14,000 in Caremark 401k
Fixed income 100%
Her 401K matched 100% on 5% (old)
Amerisource (new Company) Match 100% on first 3% and 50% on next 2%
I need guidance in choosing mutual funds that will earn me a better rate of return.
Emergency funds YES
Debt: NONE
Tax Filing Status: Married filing Jointly
Tax Rate: 15% Federal 0% State TX (military)
Age: 37 spouse: 40
Desired Asset allocation: 60/40
Intl allocation: 50% of stocks
My Current portfolio is managed by First Command 123,844.07
ER: 1.19%, 1.58%, 1.25%, 1.18%, 1.07%, 1.03%
I was investing $950 a month but stopped in January, I only contribute to my Roth IRA $350 a month
Asset Allocation
70.15 US Stocks
19.29 Non US Stocks
5.73 Bonds
2.83 Other
1.99 Cash
1 YR ( 5.91)
3YR ( 18.72)
5YR (.17)
10YR (5.41)
Fidelity Advisor Equity Growth Fund EPGAX $6,820.27(1.19%)
Invesco International Small Company Fund IEGAX $13,504.17 (1.58%)
Pioneer Independence Voluntary Fund PINDX $39,099.42(1.25%)
Pioneer Independence Voluntary Fund PINDX $27,323.07 ROTH IRA (1.25%)
Pioneer Cullen Value Fund CVFCX $14,153.00 (1.18%)
Fidelity Advisor New Insights Fund FNIAX $11,848.91 (1.07%)
Fidelity Advisor Strategic Real Return F FSRAX $11,095.23 (1.03%)
SPOUSE has 14,000 in Caremark 401k
Fixed income 100%
Her 401K matched 100% on 5% (old)
Amerisource (new Company) Match 100% on first 3% and 50% on next 2%
I need guidance in choosing mutual funds that will earn me a better rate of return.