Search found 8 matches

by Quisted
Fri Jul 21, 2017 11:29 am
Forum: Investing - Help with Personal Investments
Topic: Need help balancing 401k options and Roth IRA
Replies: 16
Views: 1105

Re: Need help balancing 401k options and Roth IRA

Thanks again for all the advice. I'll keep my fingers crossed for some changes in the future but it's reassuring to know that in the meantime I'm doing the best with what's available!
by Quisted
Wed Jul 19, 2017 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Need help balancing 401k options and Roth IRA
Replies: 16
Views: 1105

Re: Need help balancing 401k options and Roth IRA

Okay, so after considerably more reading and playing around with some models I built in excel, I've established that I can create a portfolio that looks like the example below in order to obtain an 80/20 stock to bond ratio with a 67/33 split of stocks between domestic and international respectively...
by Quisted
Tue Jul 18, 2017 2:19 pm
Forum: Investing - Help with Personal Investments
Topic: Need help balancing 401k options and Roth IRA
Replies: 16
Views: 1105

Re: Need help balancing 401k options and Roth IRA

Your current approach is not a bad one if your goal is to have something less than 10% bonds in your portfolio. What is your desired stock to bond ratio? How much (in dollars) will you save in each account each year? For the 401k, include the match. Are you now at a point where you can and want to ...
by Quisted
Tue Jul 18, 2017 1:28 pm
Forum: Investing - Help with Personal Investments
Topic: Need help balancing 401k options and Roth IRA
Replies: 16
Views: 1105

Re: Need help balancing 401k options and Roth IRA

Yes, I've been here about two years already. I'd only been contributing the 3% for the match into the 401k before now and everything else was going into the Roth To be clear, is it three years of employment period, or three years since contributing to the 401k? Hi bayview, it's 3 years of employment
by Quisted
Mon Jul 17, 2017 4:38 pm
Forum: Investing - Help with Personal Investments
Topic: Need help balancing 401k options and Roth IRA
Replies: 16
Views: 1105

Re: Need help balancing 401k options and Roth IRA

Yes, I've been here about two years already.

I'd only been contributing the 3% for the match into the 401k before now and everything else was going into the Roth
by Quisted
Mon Jul 17, 2017 3:54 pm
Forum: Investing - Help with Personal Investments
Topic: Need help balancing 401k options and Roth IRA
Replies: 16
Views: 1105

Re: Need help balancing 401k options and Roth IRA

Thanks for your response, retiredjg Unfortunately those are all the funds that are offered within our plan so it doesn't look like the stable value fund is an option. As far as the match, my employer will match my contributions dollar for dollar up to 3% of my paycheck and employees must stay for at...
by Quisted
Mon Jul 17, 2017 3:08 pm
Forum: Investing - Help with Personal Investments
Topic: Need help balancing 401k options and Roth IRA
Replies: 16
Views: 1105

Re: Need help balancing 401k options and Roth IRA

Thanks for the feedback, I was under the impression that using a target date fund for both would be ill-advisable so maybe I can look into a variety of 3-4 fund portfolios that can be built across the 401k and Roth IRA. If the S&P index fund is going to comprise the bulk like you suggested, perhaps ...
by Quisted
Sun Jul 16, 2017 6:55 pm
Forum: Investing - Help with Personal Investments
Topic: Need help balancing 401k options and Roth IRA
Replies: 16
Views: 1105

Need help balancing 401k options and Roth IRA

Hi all, I've been doing a lot of reading through the forums for information about saving and building a portfolio for retirement while I'm still young and can truly take advantage of many years of growth. I'm currently 26 and anticipating being able to retire in 2060. I'm running into the issue wher...