Search found 13 matches

by GeorgiaJune
Fri Jun 23, 2017 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Changing Investment Offerings
Replies: 5
Views: 811

Re: 401(k) Changing Investment Offerings

We opened up a taxable account as vanguard too- is there a better international vanguard fund we should consider? AA 75/25, international 20%- currently in Fidelity 500 index fund (401k), vanguard extended market (Roths), doubleline core fixed income (401k), vanguard NJ muni bond fund (taxable), van...
by GeorgiaJune
Fri May 12, 2017 7:15 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need small caps in my portfolio?
Replies: 6
Views: 1130

Re: Do I need small caps in my portfolio?

In your tax bracket, the Vanguard Balanced Index fund would be terribly tax-inefficient as would any other balanced funds. Why did you choose that? We were looking for something less risky we could use the money in 5-8 years, but you're right. I think we'll only have munis in our taxable account an...
by GeorgiaJune
Wed May 10, 2017 12:13 pm
Forum: Investing - Help with Personal Investments
Topic: Do I need small caps in my portfolio?
Replies: 6
Views: 1130

Do I need small caps in my portfolio?

We thought we had figured out where to move our advisor managed portfolio This was our initial plan: Total portfolio is 173K AA- 70 (with 20% international stock) stocks/30 bonds Roths- 23K into Vanguard Total International stock fund VGTSX. 401k- 35K in Loomis Core Bond NERNX, 68K into Fidelity 500...
by GeorgiaJune
Tue May 02, 2017 1:57 pm
Forum: Investing - Help with Personal Investments
Topic: 401(k) Changing Investment Offerings
Replies: 5
Views: 811

401(k) Changing Investment Offerings

I thought I had figured out where we were going to move our investments. This was our initial plan: Total portfolio is 173K AA- 70 (with 20% international stock) stocks/30 bonds Roths- 23K into Vanguard Total International stock fund VGTSX. 401k- 35K in Loomis Core Bond NERNX, 68K into Fidelity 500 ...
by GeorgiaJune
Mon Apr 17, 2017 8:28 pm
Forum: Investing - Help with Personal Investments
Topic: Help with 529 Asset Allocation
Replies: 2
Views: 409

Help with 529 Asset Allocation

We are transferring our high fee advisor 529s into either Utah or New York. I have a 4 year old (currently 12K in his account) and 1 year old ($3600 in his account) and we put $250/per kid monthly into it. Since it's a shorter time frame until I'll need the money, what are some general guidlines for...
by GeorgiaJune
Wed Apr 12, 2017 9:13 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 16
Views: 1778

Re: Portfolio Advice

So here is what we are thinking. Total portfolio is 173K. AA- 70 (with 20% international stock) stocks/30 bonds We're moving the 529s to either NY or Utah, Vanguard. Roths- 23K into Vanguard Total International stock fund VGTSX. 401k- 35K in Loomis Core Bond NERNX, 68K into Fidelity 500 Index Fund P...
by GeorgiaJune
Mon Apr 10, 2017 8:56 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 16
Views: 1778

Re: Portfolio Advice

Thank you. Some additional questions- So for the bond portion, I'll gradually have to increase my allocation as we age. Should we just increase the bond allocation in the 401k (looking at total investments between that, Roth and taxable account)? No need to add additional bonds in the IRA or taxable...
by GeorgiaJune
Sat Apr 08, 2017 1:15 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 16
Views: 1778

Re: Portfolio Advice

I'm thinking 30/35 bonds, 70/65 stocks. Not sure about international investments yet. I'll max out 401k every year and do backdoor Roths. We'd invest additionally anywhere from 10K-50K yearly- highly dependent on my bonus. Have you developed any ideas on a possible asset allocation (stock/bond mix) ...
by GeorgiaJune
Fri Apr 07, 2017 8:26 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 16
Views: 1778

Re: Portfolio Advice

Thanks! Currently my 401K You left out the plan expense ratios. The retail rates are: Fidelity Real Estate FRESX 0.78% Fid International Index FSIVX 0.08% Fid Growth FGCKX 0.66% GS Growth GGOIX 0.95% Columbia Div CDDYX 0.59% Loomis Core Bond NERNX 0.39% Fid Intermediate bonds FTHRX 0.45% Franklin Sm...
by GeorgiaJune
Fri Apr 07, 2017 7:50 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 16
Views: 1778

Re: Portfolio Advice

Great links and advice- thank you! Welcome to the forum :) . I just want to echo random_walker's suggestions. 1) Low expenses are critical. Over 30 years an extra 1.5% in expense costs you about 36% in the end value of your investments. Vanguard blog post, "Stopping the silent killer of returns" . P...
by GeorgiaJune
Fri Apr 07, 2017 7:43 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 16
Views: 1778

Re: Portfolio Advice

Tax: Married filing jointly, fed rate is 33% (will go up to 35% within 1-2 years) At your income you can't contribute directly to a Roth IRA. Are you using the Backdoor Roth IRA method? yes, we did backdoor Roth. 401k: $120K in employer's 401K (Fidelity), no matching. I max it out every year. Curre...
by GeorgiaJune
Fri Apr 07, 2017 2:07 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 16
Views: 1778

Re: Portfolio Advice

Thank you- that's very helpful. We were just blindly following our advisor's advice, but once I started looking into doing direct 529s and realized the fees we were paying for ours, I started looking further into all of our investment fees and it did seem like we were giving away a lot for a small a...
by GeorgiaJune
Thu Apr 06, 2017 8:35 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice
Replies: 16
Views: 1778

Portfolio Advice

Hi all, Below is my information. We have been using an Ameriprise financial advisor- we pay $350 a year in maintenance/custodial fees with Ameriprise currently. They have our IRAs, 529s and Muni Bonds. I want to move from that and do more on our own. We are thinking of switching our 529s to a direct...