Search found 12 matches

by 3nickles
Mon May 01, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Assistance changing out expensive Fidelity funds in my wife's rollover IRA
Replies: 6
Views: 650

Re: Assistance changing out expensive Fidelity funds in my wife's rollover IRA

You didn't indicated what your desired asset allocation was, but for an 80:20 stock:bond allocation you could do a simple three-fund portfolio like this: 60% FSTVX (0.045%) Fidelity Total Stock Market Index Fund Premium Class 20% FSIVX (0.08%) Fidelity International Index Fund Premium Class 20% FSI...
by 3nickles
Fri Apr 28, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Assistance changing out expensive Fidelity funds in my wife's rollover IRA
Replies: 6
Views: 650

Assistance changing out expensive Fidelity funds in my wife's rollover IRA

Help and advice please. My wife has a rollover IRA that was consolidated and funded from her 3 previous employers. I placed the rollover amounts in the Fidelity funds below but didn't realize that they are quite expensive and I could have bought cheaper index funds. Can someone provide some example ...
by 3nickles
Thu Apr 27, 2017 8:49 pm
Forum: Investing - Help with Personal Investments
Topic: Blowout [poor] investment RYJUX and replace with what?
Replies: 15
Views: 1444

Re: Blowout [poor] investment RYJUX and replace with what?

The main thing is to drastically reduce your ATT shares. Too much to have in one company. Diversify. Have at least 20% in bonds ofmsome sort. You have a lot of duplication between US total stock. And Large cap fund. Pick one or the other. If I were you I would go large cap/ total us stock 44.8%. (8...
by 3nickles
Fri Apr 21, 2017 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: Blowout [poor] investment RYJUX and replace with what?
Replies: 15
Views: 1444

Re: Blowout [poor] investment RYJUX and replace with what?

OK CJ you asked. Here's the full monty.. I am 51 (wife is 50) and we are targeting retirement at around age 65 so I/We have about 14 years left in the workforce. Our Married filing jointly AGI was $152,815 this year, with taxable income of $113,095. We live in Illinois with state sales tax of 7.075%...
by 3nickles
Fri Apr 21, 2017 3:05 pm
Forum: Investing - Help with Personal Investments
Topic: Blowout [poor] investment RYJUX and replace with what?
Replies: 15
Views: 1444

Re: Blowout [poor] investment RYJUX and replace with what?

Yep I'm admitting my ignorance and lack of knowledge of the stock market. Guilty on both counts..

But that's exactly why I signed onto this forum and asked for assistance in replace these funds in my Taxed Fidelity account :)
by 3nickles
Thu Apr 20, 2017 8:42 pm
Forum: Investing - Help with Personal Investments
Topic: Blowout [poor] investment RYJUX and replace with what?
Replies: 15
Views: 1444

Re: Blowout [poor] investment RYJUX and replace with what?

If in doubt and you don't particularly have any ideas about what stocks to invest in, use something like a Vanguard Total Stock Market Index Fund (or equivalent international stock fund). That's cheap and diversified. If you're willing to use ETFs some others have very similar offerings in that spa...
by 3nickles
Thu Apr 20, 2017 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Blowout [poor] investment RYJUX and replace with what?
Replies: 15
Views: 1444

Blowout [poor] investment RYJUX and replace with what?

I have a Fidelity (non IRA) taxed account. I've learned my lesson regarding investing and the radio shows. Back in May of 2004 off a buddy's advice, I listened to Doug Fabian (Maverick investing) and at the current time he suggested holding your investment stash (taxed account, non IRA) 100% in RYJU...
by 3nickles
Thu Apr 13, 2017 6:17 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance 401K for diversity and remaining Savings/Emergency fund advice.
Replies: 5
Views: 505

Re: Rebalance 401K for diversity and remaining Savings/Emergency fund advice.

Hi Duckie and thanks! To answer your other questions: Her rollover IRA is at Fidelity with funds and balances below: Fidelity Equity Dividend Income FEQTX $31,895 Fidelity Value FDVLX $39,198 Janus Triton Fund CLS T JATTX $26,065 Her projected pension is as follows: Work through 1/2022 (age 55) $665...
by 3nickles
Thu Apr 13, 2017 3:52 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalance 401K for diversity and remaining Savings/Emergency fund advice.
Replies: 5
Views: 505

Rebalance 401K for diversity and remaining Savings/Emergency fund advice.

First time poster and looking for some advice from the excellent financial experts on this forum Advice/Opinions on which option YOU would choose in my situation please... I am 51 (wife is 50) and we are targeting retirement at around age 65 so I/We have about 14 years left in the workforce. Our Mar...