Search found 12 matches

by Rahm
Mon Mar 20, 2017 9:35 am
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1724

Re: Need direction on managing portfolio

Here are the suggested 3-fund portfolio from fidelity. In 401k, you will have to work with what you have available (from Wiki page: https://www.bogleheads.org/wiki/Three-fund_portfolio ) Fidelity With Fidelity, for example, you could construct a three-fund portfolio using: [note 3] Fidelity Total M...
by Rahm
Mon Mar 20, 2017 9:20 am
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1724

Re: Need direction on managing portfolio

This is amazing, I've got such insightful advises. In the IRA, I'll just pick the total index fund, and maybe the NASDAQ fund at some point. For the 401k, I'll give myself precisely one more month and then do the re-adjustment. I think I'll go with what was suggested above. But, I don't think I'll e...
by Rahm
Mon Mar 20, 2017 5:53 am
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1724

Re: Need direction on managing portfolio

Hello Rahm, Desired Asset allocation: 100% stocks / 0% bonds (I have been advised against this, but haven't taken any action yet -- mainly procrastination) Indeed on this forum many advocate some bonds 10%, 20%, other are happy with the full volatility of 100% equity Desired International allocatio...
by Rahm
Mon Mar 20, 2017 1:09 am
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1724

Re: Need direction on managing portfolio

I am copying the questions below for convenience. Questions: 1. Still not sure if I should re-allocate the funds in FBGKX fund to some Freedom fund, or to the FUSVX fund ? Recently, FBGKX seems to be growing better, so I am a bit unsure if this is the time to jump out, or wait a bit longer and then ...
by Rahm
Mon Mar 20, 2017 12:50 am
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1724

Re: Need direction on managing portfolio

Rahm, I tested the link when I wrote it, but now it doesn't work--"search is temporarily unavailable". Seems Fidelity is doing some maintenance. I don't know why, but Fidelity makes it very difficult to find their Freedom Index Funds. Maybe this one will work. m Paul Hi Paul, This does di...
by Rahm
Sat Mar 18, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1724

Re: Need direction on managing portfolio

Fidelity index funds are good and have very low costs, but min. investment is $2500. So, one thing you can do is use a Fidelity Freedom Index fund with a suitable asset allocation. The freedom funds are low cost and contain U.S., international, and bonds. I'm not so sure the majority of posters her...
by Rahm
Sat Mar 18, 2017 10:24 pm
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1724

Re: Need direction on managing portfolio

Hi Rahm, We need a bit more info to give you good advise. Please have a look at Asking_portfolio_questions and update your opening post with the additional info. The wiki also has a good article on the 3 fund portfolio. Regards, Hi BeBH65, Thanks for the link. I have updated my first post according...
by Rahm
Sat Mar 18, 2017 8:36 am
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1724

Re: Need direction on managing portfolio

Hi All,
I have another question, if you don't mind. I have opened a Roth IRA account (with Fidelity -- sorry, I just felt it'd be convenient to have 401k and Roth IRA at the same place). Should I choose a mutual fund or an ETF ?
by Rahm
Mon Feb 27, 2017 3:38 am
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1724

Re: Need direction on managing portfolio

Sorry, plz ignore the question about three-fund portfolio. Didn't know it was a very common term used among bogleheads ...
by Rahm
Mon Feb 27, 2017 2:54 am
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1724

Re: Need direction on managing portfolio

You can't put any money for 2016 in the 401k, but you could put money into an Ira up until tax day. The usual recommendation is to try to max out all retirement accounts if you can afford it, with a minimum of 15% going toward retirement, so you are doing fine % wise. The usual rule of thumb goes s...
by Rahm
Sat Feb 25, 2017 4:05 pm
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1724

Re: Need direction on managing portfolio

You can't put any money for 2016 in the 401k, but you could put money into an Ira up until tax day. The usual recommendation is to try to max out all retirement accounts if you can afford it, with a minimum of 15% going toward retirement, so you are doing fine % wise. The usual rule of thumb goes s...
by Rahm
Sat Feb 25, 2017 10:56 am
Forum: Investing - Help with Personal Investments
Topic: Need direction on managing portfolio
Replies: 19
Views: 1724

Need direction on managing portfolio

Hi All, This is an edited version of my first post. The questions are also updated. Emergency funds: 6 months of expenses Debt: $0.00. Tax Filing Status: Single Tax Rate: 25% Federal, 4% State (as calculated from my tax returns) State of Residence: NJ Age: 32 ((approximative)) Income: $92k ((optiona...