sometimesinvestor wrote:Its easier to suggest changes in your account in part because your wife's choices are not all that appealing. To my surprise my search indicated index T is a foreign index fund I guess I would look for an S+P 500 index rather than the Oakmark and T.Rowe Price funds I assume extended is a small and midcap fund in which case with capital opportunity you are overweight in midcaps.
While past performance may not work in the future I like Dodge and Cox so my suggested portfolio is quite different from yours . I would go 70% Vanguard Target 2025(roughly 70-30) Plus 10% Dodge and Cox + 20% in the stable value fund. Bill Gross does not think bonds will be great for awhile and I won't disagree.
In your taxable I would go 20K in tax managed balanced (roughly 50% stock, 50% muni) 10k in i bonds 10k in total stockmarket and 10k in total international. While aware of the theory arguments against dollar cost averaging I think I would invest 10k per month rather than lump some invest 50k all at once.
Your wife's account is very difficult. I guess I would suggest funding a Roth with better choiices . Left over funds can go into a taxable fund with extended market + i bonds.
sometimesinvestor wrote:http://www.treasurydirect.gov/ is where you buy i bonds.Its basically a sort of savings bond which is not taxed till you cash it in (no penalty after 5 years 3 month penalty after 1 year. Interest rate adjusts every 6 months depending on changes in the CPI(currently 1.16%) When you go to the web site first click on i bonds in the left hand column
The tax managed balanced fund invests in stocks + muni bonds (no rate is guarenteed) (its something a little bit more conservative than wellington (50% stocks 50% muni bonds).Why i bonds/:The market for inflation protected bonds is a bit weird at this time so i bonds have much less downside risk)
This is why I said T was a foreign fund
https://ingcustom.ingplans.com/einfo/pd ... pu/401.pdf
That link was relatively high up when I searched
ugaDAWGS09 wrote:I just need to work on making sure my AA stays the same as I add money to each account.
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