Search found 5 matches

by bewareofduck
Mon Mar 20, 2017 11:58 am
Forum: Investing - Help with Personal Investments
Topic: 401k Fund Selection Help
Replies: 12
Views: 627

Re: 401k Fund Selection Help

If you need some outside assistance to get DH on board, set up a retirement calculator (Quicken, Fidelity, and lots of others you can find discussed on these forums and in the wiki). Seeing your own numbers in a chart that shows you will be left with very little for retirement can help startle folk...
by bewareofduck
Mon Mar 20, 2017 11:17 am
Forum: Investing - Help with Personal Investments
Topic: 401k Fund Selection Help
Replies: 12
Views: 627

Re: 401k Fund Selection Help

As soon as possible, you need to get more aggressive in saving. Consider filling up every available tax deferred account, and maybe also start filling a regular savings account. If the rule of thumb is 15% since career beginning, you can see you have some catching up to do that is quite easy now, a...
by bewareofduck
Mon Mar 20, 2017 10:19 am
Forum: Investing - Help with Personal Investments
Topic: 401k Fund Selection Help
Replies: 12
Views: 627

Re: 401k Fund Selection Help

Personally I'd recommend a combination of 80% equity (which could be all in S&P 500 if you wish) and 20% fixed-income (+1 on Duckie's suggestion of Total Bond). Some research shows that such a combination has generally the same return as 100% equity while slightly lower risk, plus it allows an ...
by bewareofduck
Mon Mar 20, 2017 9:28 am
Forum: Investing - Help with Personal Investments
Topic: 401k Fund Selection Help
Replies: 12
Views: 627

Re: 401k Fund Selection Help

Since she is starting out, I'd choose the lowest cost index fund and not split up the contributions for the time being. The 500 Index fund at .03 would be my choice. I've gotten another recommendation to do 70% 500 Index fund, 20% Mid Cap Index Fund, and 10% Small Cap Index Fund. Is there any advan...
by bewareofduck
Sun Mar 19, 2017 11:49 am
Forum: Investing - Help with Personal Investments
Topic: 401k Fund Selection Help
Replies: 12
Views: 627

401k Fund Selection Help

My spouse is 32 and wants to contribute up to the company match in a Roth 401K. We're currently in the 15% tax bracket at 75K/yr income which will jump once we go from single income to dual income household next year. We'd prefer to be fairly aggressive. Investment Fund Ticker Expense Ratio Vanguard...