Search found 10 matches

by newbie1920
Wed May 24, 2017 5:15 pm
Forum: Investing - Help with Personal Investments
Topic: Modest portfolio makeover - please help
Replies: 11
Views: 1682

Re: Modest portfolio makeover - please help

Got, it that sounds like a good plan. Will be careful not to sell/exchange any funds within the taxable and rebalance within Roth IRA instead, or use any future contributions to the taxable to rebalance. Thanks again for your input!!!
by newbie1920
Tue May 23, 2017 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Modest portfolio makeover - please help
Replies: 11
Views: 1682

Re: Modest portfolio makeover - please help

@ruravalon So I read through the Vanguard article on international stocks and feel stronger about sticking to international as 20% of total portfolio. With my allocation of 80 to equities and 20 to bonds I will follow option (B) to stick to my AA 80 / 20 / 20 with a minimum # of funds (5 across 3 ac...
by newbie1920
Thu May 18, 2017 6:08 pm
Forum: Investing - Help with Personal Investments
Topic: Modest portfolio makeover - please help
Replies: 11
Views: 1682

Re: Modest portfolio makeover - please help

In my opinion it's better to stick to a desired asset allocation, rather than let account size dictate asset allocation. Good to know no major risks, though in line with boglehead approach having a plan and sticking to it sounds like what you advocate as well, which makes me lean towards option B, ...
by newbie1920
Wed May 17, 2017 9:28 pm
Forum: Investing - Help with Personal Investments
Topic: Modest portfolio makeover - please help
Replies: 11
Views: 1682

Re: Modest portfolio makeover - please help

Thank you, ruralavalon, for your analysis. It shows me how much I still have to learn and it's helpful to follow your thought process in making that assessment. To your point on bonds vs. stocks - I recall reading in several sources that is the key decision and everything beyond is more of a tweakin...
by newbie1920
Tue May 16, 2017 11:46 pm
Forum: Investing - Help with Personal Investments
Topic: Modest portfolio makeover - please help
Replies: 11
Views: 1682

Re: Modest portfolio makeover - please help

First of all, wow! Thank you so much for all the replies, links and detail recommendations!!! I appreciate you taking the time to provide your feedback and suggestions. Taxable account @ Vanguard (27% of assets; $20k; adds about $10k/yr = < 30% of new annual contributions) 07%, $05k, Vanguard Total...
by newbie1920
Mon May 15, 2017 10:57 pm
Forum: Investing - Help with Personal Investments
Topic: Modest portfolio makeover - please help
Replies: 11
Views: 1682

Modest portfolio makeover - please help

Thank you for reading this post and apologies for the length. This is my second post - with the answers to my first post I was able to decide not to opt for a self directed account for my 401K and start educating myself so I can manage my own portfolio with confidence :happy. So far, I have been foc...
by newbie1920
Wed Mar 29, 2017 12:43 am
Forum: Investing - Help with Personal Investments
Topic: Should I stick with 401K funds or choose a self directed account?
Replies: 14
Views: 1613

Re: Should I stick with 401K funds or choose a self directed account?

Thank you everyone!! VINIX and the Metropolitan West Total Return Bond I Intermediate-Term Bond do sound like the best options so I plan to go with those. I also called again my 401K plan administrator Wells Fargo and the result only confirms above. To entertain yourself you can read on below what I...
by newbie1920
Mon Mar 27, 2017 10:29 pm
Forum: Investing - Help with Personal Investments
Topic: Should I stick with 401K funds or choose a self directed account?
Replies: 14
Views: 1613

Re: Should I stick with 401K funds or choose a self directed account?

Thank you SO much, everyone, this is super helpful!!! You confirmed what I was suspecting (that my 401K options are a piece of crap except for VINIX) and that I should look at my savings as one big portfolio. About that Wells Fargo SDA ... I am having trouble getting information from Wells Fargo abo...
by newbie1920
Sun Mar 26, 2017 5:43 pm
Forum: Investing - Help with Personal Investments
Topic: Should I stick with 401K funds or choose a self directed account?
Replies: 14
Views: 1613

Re: Should I stick with 401K funds or choose a self directed account?

I contribute max to both my 401K ($18K plus my employer's 7% match) and my Roth IRA ($5.5K), plus another $10K to my Vanguard brokerage. The high ER of my 401K core options (which are overall not very great) are the reason why I want to change what I invest into. I am considering either opting for t...
by newbie1920
Sun Mar 26, 2017 1:02 pm
Forum: Investing - Help with Personal Investments
Topic: Should I stick with 401K funds or choose a self directed account?
Replies: 14
Views: 1613

Should I stick with 401K funds or choose a self directed account?

Hello everyone, can someone advise me on following? 1. Determine whether it is worth for me to opt for an SDA within my employer's 401K so that I can get access to better fund line up (with lower ER)? 2. Is it better to consider asset allocation in all my retirement accounts combined as opposed look...