Search found 5 matches

by pirate412
Thu Apr 20, 2017 6:12 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a young couple starting investing and financial plan?
Replies: 14
Views: 2112

Re: Advice for a young couple starting investing and financial plan?

Start with 100% to the 500 Index. In six months take a look at your entire portfolio to see about rebalancing. At that point you'll probably need to add GBIAX. Makes sense. So, when I need to buy more bond funds, does buying the higher cost GBIAX in a 401k outweigh buying the lower cost BND in a Ro...
by pirate412
Wed Apr 19, 2017 9:26 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a young couple starting investing and financial plan?
Replies: 14
Views: 2112

Re: Advice for a young couple starting investing and financial plan?

If that is part of you emergency fund then you can also use your Roth money if you have a dire emergency. Thanks, I hadn't considered that. In that case, I'll probably use some of the CDs and pay down some student loans. It's generally better to put assets with higher expected growth (stocks) in Ro...
by pirate412
Mon Apr 17, 2017 10:19 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a young couple starting investing and financial plan?
Replies: 14
Views: 2112

Re: Advice for a young couple starting investing and financial plan?

50 % goes to S&P + total US Stock: 401k, 403b, remainder in Roth 30% to Int. stocks in Roths 20% to bonds in Roths I like this. So, if I devote the employer plans to the SP500 funds, what fund (preferably one fund) should I use to balance the representation of total US stock (I guess mid-cap an...
by pirate412
Sat Apr 15, 2017 1:59 pm
Forum: Investing - Help with Personal Investments
Topic: Advice for a young couple starting investing and financial plan?
Replies: 14
Views: 2112

Re: Advice for a young couple starting investing and financial plan?

I updated the post to match forum formatting and include our employer plans' fund options. Thanks!
by pirate412
Sat Apr 15, 2017 12:00 am
Forum: Investing - Help with Personal Investments
Topic: Advice for a young couple starting investing and financial plan?
Replies: 14
Views: 2112

Advice for a young couple starting investing and financial plan?

I'm pretty new to investing and could really use advice on my financial plan and on starting investing. Here's our situation. Emergency fund: 6 months Debt: 9k (2.64%/2yrs left) auto loan, 41k (6.5%/27yrs left) student loans for me, and 68k (4.26%/9yrs left) student loans for my wife. Assets: We ren...