Search found 21 matches

by AnneMiller1980
Fri Feb 01, 2019 10:57 am
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

No I don’t think so!
by AnneMiller1980
Fri Feb 01, 2019 7:56 am
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

43.03% domestic stocks
37.58% bonds
17.85% foreign stock
1.34% short term
0.20% other
by AnneMiller1980
Thu Jan 31, 2019 9:19 pm
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

I’d like to do 62/38 in my 401K.
by AnneMiller1980
Thu Jan 31, 2019 5:48 pm
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

Thank you for being so patient. I think I will leave it as is for the next 6 months. I do think that’s reasonable. So then can i just leave everything alone, or should I rebalance my funds just within the 401K at this time?
by AnneMiller1980
Mon Jan 28, 2019 2:02 pm
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

Yes i rolled my 403b into my current 401K. What you think is correct, but brings up a new question for me. The idea that my 401K which has a higher balance is being invested at a more conservative ratio of 62/38 is pleasing to me. But I also feel comfortable with my RothIRA staying at 90/10, because...
by AnneMiller1980
Sat Jan 26, 2019 9:36 pm
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

I see. Any interest in guiding me on how to rebalance my funds? As I look over my portfolio and keep trying to learn more, I’m realizing that I don’t have a complete understanding of keeping my entire portfolio balanced (between Roth and 401k), but am interested in sorting all that out so I can make...
by AnneMiller1980
Fri Jan 25, 2019 1:41 pm
Forum: Personal Finance (Not Investing)
Topic: Income Earning Asset examples
Replies: 4
Views: 413

Re: Income Earning Asset examples

Great advice! What search term should I use... "How to become rich?" :D hahah, but in all seriousness.. there are SOOO many topics to sort through and I want to learn from the best! I can't even remember how I ended up on this forum in the first place, but somehow I got here! :)
by AnneMiller1980
Fri Jan 25, 2019 1:33 pm
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

OK, so here's where I'm at today. I have exchanged my ROTH funds so that all ROTH contributions are now going into FIOFX and I am comfortable with this for now. My 401K funds remain as below: VMCIX VANG MIDCAP IDX INST VINIX VANGUARD INST INDEX VSCIX VANG SM CAP IDX INST VBTIX VANG TOT BD MKT INST V...
by AnneMiller1980
Thu Jan 24, 2019 11:03 am
Forum: Personal Finance (Not Investing)
Topic: Income Earning Asset examples
Replies: 4
Views: 413

Income Earning Asset examples

I was listening to "Rich Dad Poor Dad" audio book this morning and he was talking about investing in "income earning assets" in order to become "rich." Can anyone give examples of how they have personally done this? The only things I can really think of are buying rental property and investing in "h...
by AnneMiller1980
Sat Jan 19, 2019 7:05 pm
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

My Roth IRA is with Fidelity only. I’m invested in both the Fidelity index fund and the Admiral fund because i invested the money at two different times. Over time I’ve been advised that Vanguard funds are typically lower fees than Fidelity, so I was trying to change things over to Vanguard funds, b...
by AnneMiller1980
Fri Jan 11, 2019 6:36 am
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

Ok. So two questions about this plan. Should I change my target fund date? It’s currently in Fidelity Freedom Index 2045. If this is the less conservative fund (as opposed to 2025), I’m ok with that for now, as I do have time in the market. Next, should I rebalance my 401K (based on my balances abov...
by AnneMiller1980
Wed Jan 09, 2019 9:25 pm
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

A couple comments on this. The reason I contribut so heavily to the Roth IRA is because I had been following Dave Ramsey for a long time, and while I don’t agree with his investing advice for the most part, it did make sense to me to contribute to my 401K at least to meet my company match, and then ...
by AnneMiller1980
Mon Jan 07, 2019 12:47 am
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

Because of where the market is right now, I was thinking of making a lump sum contribution of $3000 to my ROTH as I just got some unexpected money as a gift. I would say that my employer and I combined, will probably contribute approx. $3500 for the year to my 401K. This is my contribution of 4% plu...
by AnneMiller1980
Tue Jan 01, 2019 5:55 pm
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

401K •VANGUARD INST INDEX (VINIX) $46,812 •VANGUARD MIDCAP IDX INST (VMCIX) $6,940 •VANG SM CAP IDX INST (VSCIX) $9,337 •VAN TOT INTL STK IS (VTSNX) $26,777 •VANG TOT BD MKT INST (VBTIX) $59,431 ROTH IRA Fidelity Freedom Index Fund (FIOFX) $7,388 Vanguard Extended Market Index Admiral (VEXAX) $5,475...
by AnneMiller1980
Tue Jan 01, 2019 5:18 pm
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

UPDATED: Need help with portfolio, template included

401k •VANGUARD INST INDEX (VINIX) 31.35% invested •VANGUARD MIDCAP IDX INST (VMCIX) 4.65% invested •VANG SM CAP IDX INST (VSCIX) 6.25% invested •VAN TOT INTL STK IS (VTSNX) 17.94% invested •VANG TOT BD MKT INST (VBTIX) 39.81% invested Roth IRA Fidelity Freedom Index Fund (FIOFX) this is where I had ...
by AnneMiller1980
Tue Jan 01, 2019 9:35 am
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

OK. So I transferred $5500 into my Roth for 2018 and now it says I have $7000 securities held in cash, and $5500 cash credit, but I just bought $5475 in Vanguard Extended Market Index Admiral. I understand that this is a pretty risky fund. So, should I now adjust my 401K investments, or should I cha...
by AnneMiller1980
Sun Dec 30, 2018 11:05 am
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

I understand. I guess I have a hard time assessing my risk. I tend to be a "saver" and hence a little more conservative with my money, but I also understand the point of view that I likely have 25 or so more years in the work force, which is quite sometime to ride the waves of the market. What I don...
by AnneMiller1980
Sun Dec 30, 2018 9:58 am
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

My account is saying that Vanguard extended market index is closed to new investments. Not sure why this is, or what this means. Someone suggested earlier in this post that the Fidelity index 2025 would be closer to my desired AA, this is probably the case, but would be a more conservative strategy....
by AnneMiller1980
Sun Dec 30, 2018 9:13 am
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

Attempting to bump to the top with edited info and new questions. thanks!!!
by AnneMiller1980
Sat Jun 30, 2018 7:33 pm
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Re: Need help with portfolio, template included

Anybody else want to weigh in??
by AnneMiller1980
Sun Jun 24, 2018 8:46 am
Forum: Personal Investments
Topic: Need help with portfolio, template included
Replies: 40
Views: 6301

Need help with portfolio, template included

Updated Post!!! New questions at bottom re: my ROTH IRA Emergency funds: 3-6 months+ additional savings in Money market Account Debt: debt free! Tax Filing Status: single, Head of Household, 2 dependents, but I claim 1 and my bf claims the other Tax Rate: unsure about this one State of Residence: MA...