Search found 4034 matches

by Duckie
Tue Jul 26, 2016 7:56 pm
Forum: Investing - Help with Personal Investments
Topic: Age 30, married, help w/ overall portfolio
Replies: 1
Views: 295

Re: Age 30, married, help w/ overall portfolio

Would you recommend any changes? The best options is his 457b are: ⋅ Vanguard Institutional Index Fund (VIIIX) 0.02% -- Large caps, 80% of US stocks ⋅ Vanguard Mid Cap Index (VMCPX) 0.06% -- Mid caps, 6% of US stocks ⋅ Vanguard Small Cap Index (VSCPX) 0.06% -- Small ca...
by Duckie
Tue Jul 26, 2016 7:07 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Investments
Replies: 3
Views: 186

Re: 401k Investments

The only index funds offered in my 401k plan are VBTLX, VFIAX & VEXAX to which I have allocated my assets as follows: 45%/30%/25%, does this seem reasonable? :confused VFIAX is large caps which are 80% of the US stock market. VEXAX is mid/small caps which are 20% of the US stock market. So if 3...
by Duckie
Tue Jul 26, 2016 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth question
Replies: 6
Views: 586

Re: Backdoor Roth question

So say March 2017 I can make a 2016 contribution AND conversion...and then would report the conversion a year later on my 2017 taxes? You are allowed to do it this way but it makes things a little more complicated because your contribution is on one Form 8606 and your conversion is on another. It's...
by Duckie
Tue Jul 26, 2016 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Transition to Vanguard from Ed Jones
Replies: 1
Views: 356

Re: Transition to Vanguard from Ed Jones

Purpose311 wrote:Does anyone know if it's possible to sell the bonds with Vanguard?

They probably can sell them. You could call them and ask. And why do you hold muni bonds in your IRA?

Is there a reason to purchase VFIAX rather than VTSAX?

No, unless for some reason you want to overweight large caps.
by Duckie
Mon Jul 25, 2016 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Depositing Check with Vanguard Mobile App for After-Tax 401K Rollover
Replies: 1
Views: 140

Re: Depositing Check with Vanguard Mobile App for After-Tax 401K Rollover

2. "Is this a rollover from a non-Roth account in an employer-sponsored plan"; For the second question, should I consider After-Tax 401K and Roth 401k the same? If that is the case, then the answer would be 'No' otherwise the answer will be "Yes." An after-tax 401k is not the sa...
by Duckie
Mon Jul 25, 2016 5:25 pm
Forum: Investing - Help with Personal Investments
Topic: Asset Allocation - Tax Efficiencies
Replies: 14
Views: 905

Re: Asset Allocation - Tax Efficiencies

rambleonrosenson , welcome to the forum. I've pretty much decided that I want a 50/50 equity/bond asset allocation. That's very conservative. How old are you? What are some of your favorite bond funds for both taxable and tax-advantaged accounts? In taxable it's ( VWIUX ) Vanguard Intermediate-Term...
by Duckie
Mon Jul 25, 2016 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: How to rollover my 401k from TRP to vanguard without liquidating funds?
Replies: 9
Views: 659

Re: How to rollover my 401k from TRP to vanguard without liquidating funds?

In my current TRP 401k plan, I have these funds: PREIX 66% PREIX is a 500 Index fund that costs 0.27% retail. You can get Vanguard's 500 Index for 0.16% or 0.05%. PRNHX 29% PRNHX is a small cap emerging growth fund that costs 0.79% retail. You could get Vanguard's Small-Cap Growth for 0.20% or 0.08...
by Duckie
Mon Jul 25, 2016 4:40 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard Recommendations [getting started with funds]
Replies: 13
Views: 1117

Re: Vanguard Recommendations [getting started with funds]

I'm single, self-employed and have a SEP/IRA through Merrill, just a bit into the six figures. Do you have any employees? You could probably contribute more using a solo 401k, but that requires no employees. Age: 59 Desired Asset allocation: No idea Desired International allocation: No idea Based o...
by Duckie
Mon Jul 25, 2016 4:28 pm
Forum: Investing - Help with Personal Investments
Topic: Total Stock Market Fund
Replies: 6
Views: 1042

Re: Total Stock Market Fund

If you had to choose between these two funds (see below). Which index fund would you pick? (TIAA-CREF Equity Index Fund Institutional | TIEIX) v.s. (S&P 500 Index |TISPX ) I would pick TIEIX because it is a "total market" fund. It hold about 80% large caps (500 Index) plus 20% mid/sma...
by Duckie
Sat Jul 23, 2016 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Help with high expense ratio PAi 401(k) options
Replies: 6
Views: 387

Re: Help with high expense ratio PAi 401(k) options

At this point though, I could use some help in deciding the fund(s) to allocate my contributions to. The best individual options (best being relative) appear to be: Hartford Growth Opportunities Fund -- HGORX -- 1.45% Putnam International Equity Fund -- PIERX -- 1.51% Federated Total Return Bond Fu...
by Duckie
Sat Jul 23, 2016 3:26 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on employer plans 401k, 457b, Roth 401K, Roth 457B ( 4 plans)
Replies: 18
Views: 904

Re: Help rebalance existing 403B

What is the purpose of this $20K investment? What is the time horizon before you need the money? Is it five years, ten years, more? Money needed in fewer than five years should be in cash or equivalents. That means savings accounts, CDs, and/or money market accounts. If more than five years bond fu...
by Duckie
Fri Jul 22, 2016 6:16 pm
Forum: Investing - Help with Personal Investments
Topic: Need advice on employer plans 401k, 457b, Roth 401K, Roth 457B ( 4 plans)
Replies: 18
Views: 904

Re: Help rebalance existing 403B

Age:30 Desired Asset allocation: xx% stocks / xx% bonds (not sure) Desired International allocation: xx% of stocks (not sure) I recommend 80% stocks, 20% bonds, with 30% of stocks in international. That breaks down to 56% US stocks, 24% international stocks, and 20% bonds. His 401k(Mass Mutual) - c...
by Duckie
Fri Jul 22, 2016 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 4
Views: 376

Re: Portfolio Advice

Age: 35 Desired Asset allocation: 85/15 - 80/20 stocks/bonds Desired International allocation: 20-25% of stocks At your age I'd go at least 20% bonds and have international 25% of stocks. That breaks down to 60% US stocks, 20% international stocks, and 20% bonds. Percentages were rounded so they ma...
by Duckie
Thu Jul 21, 2016 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing 403b from previous job
Replies: 3
Views: 230

Re: Rebalancing 403b from previous job

Seemed like there were a number of bond funds that might work. What tipped the scales towards the Bond Index? Strictly expenses? It's the cheapest good bond fund. It follows the AGG index same as Vanguard Total Bond Market. I've seen on a few occasions that there may be a benefit to funds with less...
by Duckie
Wed Jul 20, 2016 6:33 pm
Forum: Investing - Help with Personal Investments
Topic: New Portfolio Asisstance
Replies: 3
Views: 256

Re: New Portfolio Asisstance

Taxable VG Total Stock Market Admiral - 60% Roth VG Total Bond Market Admiral - 20% TSP L2050 - 20% If 60/20/20 are the percentages I would go: Taxable at Vanguard -- 60% 60% ( VTSAX ) Vanguard Total Stock Market Index Fund Admiral Shares (0.05%) Thrift Savings Plan -- 20% 20% ( N/A ) G Fund (0.029...
by Duckie
Wed Jul 20, 2016 6:18 pm
Forum: Investing - Help with Personal Investments
Topic: Help with ADP 401k fund selection + other investment selections
Replies: 2
Views: 227

Re: Help with ADP 401k fund selection + other investment selections

Thoughts? First, list the plan expense ratios for your ADP 401k. Costs are usually the first thing we look at. Second, list the ETF names. Most of us don't have the tickers memorized and aren't going to bother to look them up. Third, what are the options (fund names, ticker symbols, expense ratios)...
by Duckie
Wed Jul 20, 2016 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing 403b from previous job
Replies: 3
Views: 230

Re: Rebalancing 403b from previous job

stonebock , welcome to the forum. Seeking some advice/guidance on rebalancing a 403b account from a previous job (so no longer able to contribute to it). Main goals are to simplify my holdings, reduce expenses and complement my IRA's. The best options in the Contributions account are: ⋅ T...
by Duckie
Wed Jul 20, 2016 4:05 pm
Forum: Personal Finance (Not Investing)
Topic: Should IRA lose money?
Replies: 30
Views: 1694

Re: Should IRA lose money?

As a government employee, I could open a TSP, but have not done so, and will retire in 3 years, at 39, with a lifetime pension. The pension will only provide around $22k annually (automatically increasing proportional to inflation), so I will obviously be working another job, from age 39, until aro...
by Duckie
Tue Jul 19, 2016 6:45 pm
Forum: Investing - Help with Personal Investments
Topic: Inherited Corporate Bond
Replies: 7
Views: 476

Re: Inherited Corporate Bond

corwin wrote:However, there is a corporate bond that has not been payed out. We just heard from his broker that it will not be paid until the next coupon date late this year. Is this normal?

It happens. Some investments can only be liquidated every quarter or so. What corporate bond is it?
by Duckie
Tue Jul 19, 2016 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Looking for help determining asset allocation - 401k and IRA + questions on how to consider student loans
Replies: 4
Views: 284

Re: Looking for help determining asset allocation - 401k and IRA + questions on how to consider student loans

Tomatoes , welcome to the forum. My available 401k options The best options in your 401k are: ⋅ Vanguard 500 Index Admiral (VFIAX) - 0.05% -- Large caps, 80% of US stocks ⋅ Vanguard Extended Market Idx Adm (VEXAX) - 0.09% -- Mid/small caps, 20% of US stocks ⋅ MFS Instl...
by Duckie
Tue Jul 19, 2016 6:20 pm
Forum: Investing - Help with Personal Investments
Topic: Newbie needing help with 403b fund selection & rollover
Replies: 6
Views: 334

Re: Newbie needing help with 403b fund selection & rollover

TheFarm wrote:403bs at Valic were set up by the financial advisor at our employer. I am in need of help rebalancing and selecting funds that may be better choices.

Some employers have multiple vendors for 403b plans. Is Valic your only option?
by Duckie
Tue Jul 19, 2016 4:58 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Advice
Replies: 10
Views: 1096

Re: Retirement Portfolio Advice

My employer's plan offers several fidelity index funds so my question is whether the fidelity index funds are in any way preferable to the TIAA funds I've listed above. For example, here are some of the fidelity funds available that would fit into my desired asset allocation of stock and bond index...
by Duckie
Sun Jul 17, 2016 5:01 pm
Forum: Investing - Help with Personal Investments
Topic: Alternatives to FIVFX at Fidelity
Replies: 13
Views: 476

Re: Alternatives to FIVFX at Fidelity

Is there no way to get the Fidelity web site to list out available international funds with expense ratios less than 0.5%? 0.25%? 0.15%? Yes, but it takes a few steps. Go to the Mutual Funds Research page. Select Fund Type will be "Class/Category". Asset Class will be "International ...
by Duckie
Sat Jul 16, 2016 6:47 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Advice
Replies: 10
Views: 1096

Re: Retirement Portfolio Advice

wbeaumo24 wrote:The real estate funds seem to be rather expensive. Do you think real estate needs to be in my portfolio to truly diversify it?

No, I don't. I only included it because you have Real Estate in your current portfolio. And if you do want REITs you can get them in an IRA at a much lower expense ratio.
by Duckie
Sat Jul 16, 2016 6:34 pm
Forum: Investing - Help with Personal Investments
Topic: Retirement Portfolio Advice
Replies: 10
Views: 1096

Re: Retirement Portfolio Advice

In looking at my plan, it appears the following are available to me. The following are the best options: ⋅ TIEIX - TIAA-CREF Equity Index Instl - .05 -- Complete US stocks ⋅ TIREX - TIAA-CREF Real Estate Sec Instl - .47 -- REITs, cheaper than your option but still expensive, alr...
by Duckie
Sat Jul 16, 2016 5:55 pm
Forum: Investing - Help with Personal Investments
Topic: Third Party Administrator (TPA) Experience?
Replies: 4
Views: 372

Re: Third Party Administrator (TPA) Experience?

My needs require a "customized" Solo 401K ..... thus the need for a Third Party Administrator (TPA). I am in the process of doing my due diligence of various TPAs. Does anyone have any personal experience or recommendations? tfb wrote an article about needing a plan that Fidelity couldn't...
by Duckie
Sat Jul 16, 2016 5:42 pm
Forum: Investing - Help with Personal Investments
Topic: New to investing and IRAs [help with asset allocation]
Replies: 7
Views: 499

Re: New to investing and IRAs [help with asset allocation]

For the next year or two, it seems I will be under the minimum 10k investment required for suggested funds. We'll have $400-500 per month to allocate starting from scratch. Save up $5K ($2.5K for each of you) and open IRAs (either Traditional or Roth) and buy ( FIOFX ) Fidelity Freedom Index 2045 F...
by Duckie
Sat Jul 16, 2016 5:25 pm
Forum: Personal Finance (Not Investing)
Topic: State income tax question
Replies: 16
Views: 1457

Re: State income tax question

Am I missing anything obvious here or is this as no-brainer as it looks? It sounds reasonable to me. He'd have to deal with: ⋅ Driver's license ⋅ Vehicle registration ⋅ Vehicle insurance ⋅ Voter registration ⋅ Health insurance ⋅ Mail forwa...
by Duckie
Sat Jul 16, 2016 5:09 pm
Forum: Personal Finance (Not Investing)
Topic: Getting a Money Order in Euros
Replies: 1
Views: 207

Re: Getting a Money Order in Euros

OnFire wrote:Where can I get a money order/cashier's check in Euros that would be acceptable to the Irish consulate in Dublin?

Check with your bank to see if it offers international/foreign bank drafts. I know Wells Fargo, TD Bank, and US Bank have them.
by Duckie
Fri Jul 15, 2016 7:28 pm
Forum: Investing - Help with Personal Investments
Topic: No automatic exchanges in VG brokerage accounts?
Replies: 6
Views: 544

Re: No automatic exchanges in VG brokerage accounts?

So I can: a) move it out for good; or b) move it out and then move it back into a VG non -brokerage account...?? It is my understanding that Vanguard does not offer new non -brokerage accounts anymore. So that's out. I believe you can move $x from Fund A to your settlement account and then to Fund ...
by Duckie
Fri Jul 15, 2016 5:54 pm
Forum: Personal Finance (Not Investing)
Topic: Should we use a Vanguard CFP or Independent?
Replies: 4
Views: 532

Re: Should we use a Vanguard CFP or Independent?

23skidoo , welcome to the forum. Is there a thread or two about the etiquette of posting these kinds of questions that you could point me to? What should be included when asking questions, and what is "out of bounds"? I've been active on forums on other subjects, and want to be mindful of...
by Duckie
Wed Jul 13, 2016 5:05 pm
Forum: Investing - Help with Personal Investments
Topic: Company Match Worth It
Replies: 11
Views: 1346

Re: Company Match Worth It

So what you are saying is there is some way of transferring out what I have in there now, and still continue the contribution? Yes, depending on the type of SIMPLE IRA -- 5304 or 5305. If you've had a 5305 SIMPLE IRA for more than two years you are allowed to transfer the assets to your own TIRA. P...
by Duckie
Wed Jul 13, 2016 4:21 pm
Forum: Investing - Help with Personal Investments
Topic: Unmatched 401K Question/Options
Replies: 7
Views: 476

Re: Unmatched 401K Question/Options

1) Considering the funds are crappy and limited in the 401k (presumably the same funds for either the traditional or Roth offered by the company) and the above information, would it make more sense to stop the 401k contributions and contribute that money to the rollover IRA? 2) If I do #1 above, th...
by Duckie
Wed Jul 13, 2016 4:13 pm
Forum: Investing - Help with Personal Investments
Topic: Best investment for buying a home in the next few years
Replies: 5
Views: 549

Re: Best investment for buying a home in the next few years

turkturkelton , welcome to the forum. I am moving from Ameriprise (in an SPS Adv managed account) to Vanguard. I have 66k right now, but would like to have the money available for when I buy a house in the next 2-3 years. What kind of investment would be the best to go with? Money needed in three y...
by Duckie
Tue Jul 12, 2016 8:00 pm
Forum: Investing - Help with Personal Investments
Topic: Fund in taxable account and too good to be true?
Replies: 13
Views: 1568

Re: Fund in taxable account and too good to be true?

Does Vanguard Tax-Managed Balanced Admiral - VTMFX belong in a taxable account? Yes. It is specifically designed for taxable accounts. Vanguard Extended Duration Treasury Index Fund ETF Shares- EDV Am I missing something here? The returns look too good to be true. What looks wrong to you? Can I buy...
by Duckie
Tue Jul 12, 2016 7:34 pm
Forum: Investing - Help with Personal Investments
Topic: Invest in VFIFX or the 4 funds that make it up? [Vanguard Target Retirement 2050]
Replies: 3
Views: 380

Re: Invest in VFIFX or the 4 funds that make it up? [Vanguard Target Retirement 2050]

I am curious as to if there are any fee benefits with investing ~$5.25k in each of the 4 funds that make up VFIFX rather than just investing the total $21k in VFIFX? Thanks for your help! There are no fee benefits because you don't have enough for the cheaper Admiral shares. Also, unless you want a...
by Duckie
Tue Jul 12, 2016 7:18 pm
Forum: Investing - Help with Personal Investments
Topic: Transitioning to a 3-Fund Portfolio
Replies: 2
Views: 507

Re: Transitioning to a 3-Fund Portfolio

Should we cash in the annuity and roll that into wife's traditional IRA? (It is now old enough to where the 10% fee is N/A) If you can, I would. Knowing this is an extremely personal decision but willing to listen to input, what allocation for a 30yr old, steady job (x2), high risk tolerance, disci...
by Duckie
Tue Jul 12, 2016 6:36 pm
Forum: Investing - Help with Personal Investments
Topic: Converting military portfolio into 3 funds
Replies: 3
Views: 406

Re: Converting military portfolio into 3 funds

My first ever attempt at doing the math on everything....would appreciate a spot check to make sure I'm doing this right! It looks fine. His Roth IRA at Vanguard -- $20K – 11% 11% (VTIAX) Vanguard Total International Stock Index Fund Admiral Shares (0.12%) His Roth IRA at Vanguard -- $7K – 4% (Can ...
by Duckie
Mon Jul 11, 2016 4:44 pm
Forum: Personal Finance (Not Investing)
Topic: New MetLIfe 403b
Replies: 2
Views: 236

Re: New MetLIfe 403b

Is there some way/ something he can do to minimize the damage MetLife is likely to have on his 403b? He should contribute enough to get the full match and pick the lowest cost options. After maxing his Roth IRA, if he can afford to contribute more it depends on the fees whether to contribute more t...
by Duckie
Mon Jul 11, 2016 4:36 pm
Forum: Personal Finance (Not Investing)
Topic: Roth backdoor [Roth IRA - any rule changes for 2016?]
Replies: 1
Views: 320

Re: Roth backdoor [Roth IRA - any rule changes for 2016?]

Dahl49 wrote:Does anyone know if the rules for 2016 have been changed on doing backdoor ROTH IRAs?

Except for the slightly higher income limits, the 2016 rules are the same as the 2015 rules.
by Duckie
Mon Jul 11, 2016 4:09 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring Soon - Asset Allocation
Replies: 19
Views: 2298

Re: Retiring Soon - Asset Allocation

6% Vanguard Retirement 2020 Fund (VTWNX) er.14 This does not belong in a taxable account. Many here have said this. Can you please tell me why? Because of the taxable bond component. The fund is currently over 40% bonds. These kick out non-qualifed dividends. Unless your income is low this fund is ...
by Duckie
Sun Jul 10, 2016 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Retiring Soon - Asset Allocation
Replies: 19
Views: 2298

Re: Retiring Soon - Asset Allocation

Taxable 3% cash: most in online savings at 1%, plus one very small 5-yr CD at 2% I would consider this part of your emergency fund. That means the 3% is pulled from the retirement portfolio. 6% Vanguard Retirement 2020 Fund (VTWNX) er.14 This does not belong in a taxable account. 9% Vanguard CA Tax...
by Duckie
Sun Jul 10, 2016 2:43 pm
Forum: Investing - Help with Personal Investments
Topic: Qualified status of Roth 457 to Roth IRA rollover
Replies: 4
Views: 305

Re: Qualified status of Roth 457 to Roth IRA rollover

If she keeps the funds in the Roth 457, she encounters RMDs at age 70-1/2. I asssume that if she rolls the funds into her existing Roth IRA (which has no RMDs), that requirement goes away, that is, she need never take RMDs from the Roth IRA for the converted funds. Is this correct? Correct. Once mo...
by Duckie
Sat Jul 09, 2016 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Qualified status of Roth 457 to Roth IRA rollover
Replies: 4
Views: 305

Re: Qualified status of Roth 457 to Roth IRA rollover

My question is, what will happen to the five year Roth 457 clock once she rolls over the Roth 457 to her Roth IRA at Vanguard? (1) Will she immediately meet the requirements for a qualified withdrawal (no taxes or penalties), Since this is a governmental 457b and she is quitting she is allowed to r...
by Duckie
Fri Jul 08, 2016 6:59 pm
Forum: Investing - Help with Personal Investments
Topic: Mid-Twenties Migrating 401k and Roth IRA to Index Funds (+Misc Qs)
Replies: 17
Views: 1185

Re: Mid-Twenties Migrating 401k and Roth IRA to Index Funds (+Misc Qs)

Oh, I think I might have taken above recommendations and started playing with 15% bonds and 30% of stocks in International. In that case, maybe I did have enough space in my 401k. I'll have to crunch again. You don't need to try to cram all your US stocks into the 401k. There are no drawbacks to ho...
by Duckie
Thu Jul 07, 2016 4:25 pm
Forum: Investing - Help with Personal Investments
Topic: Help understanding fees
Replies: 5
Views: 484

Re: Help understanding fees

Jehender , welcome to the forum. Enrolling in employers retirement plan. Help me understand the difference in these fee options and which is the least worst. :) I'm thinking option 4, the second one, but I wanted to check with the experts. Your choice, "Option 4 (load waived): No up-front sale...
by Duckie
Thu Jul 07, 2016 2:48 pm
Forum: Investing - Help with Personal Investments
Topic: Mid-Twenties Migrating 401k and Roth IRA to Index Funds (+Misc Qs)
Replies: 17
Views: 1185

Re: Mid-Twenties Migrating 401k and Roth IRA to Index Funds (+Misc Qs)

It seems like I could equivalently discard the VTSMX in favor of increased contributions to FUSVX and FSEVX in my 401k. That would free up some space in my VG Roth for more international or REIT right? I don't necessarily see an advantage to holding the VTSMX in there anymore considering the equiva...
by Duckie
Wed Jul 06, 2016 4:44 pm
Forum: Investing - Help with Personal Investments
Topic: Mid-Twenties Migrating 401k and Roth IRA to Index Funds (+Misc Qs)
Replies: 17
Views: 1185

Re: Mid-Twenties Migrating 401k and Roth IRA to Index Funds (+Misc Qs)

hex , welcome to the forum. Age: 27 Desired Asset allocation: 90% stocks / 10% bonds? I'd increase the bonds to at least 15%. Desired International allocation: 15% of stocks? That's a bit low. Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See th...
by Duckie
Mon Jul 04, 2016 5:46 pm
Forum: Investing - Help with Personal Investments
Topic: Trying to help mother prepare for retirement
Replies: 15
Views: 1861

Re: Trying to help mother prepare for retirement

I think my main goal is just to come up with a plan for her where her RMDs are handled automatically and also so she can continue to be hands off which seems to be her desire. She should: ⋅ Have his retirement plans retitled in her name so she becomes the owner (not the beneficiary, the o...
by Duckie
Mon Jul 04, 2016 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Asset allocation when combining target-date and non-target-date funds across accounts
Replies: 7
Views: 772

Re: Asset allocation when combining target-date and non-target-date funds across accounts

My question is how to handle the fact that the target-date fund's holdings are rebalanced on their own, while at the same time wanting to manage other funds in my portfolio to my chosen allocation. The easiest way is to pick a target-date fund that is close to your desired stock/bond AA and ignore ...

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