Search found 9 matches

by norm52
Mon May 03, 2021 4:18 pm
Forum: Investing - Theory, News & General
Topic: 25 year old who just started investing for retirement
Replies: 4
Views: 499

Re: 25 year old who just started investing for retirement

vineviz wrote: Mon May 03, 2021 4:05 pm As for bonds, make a note on your calendar to check back in with us in May of 2031.
So I should be reevaluating my allocation every 10 years. Let's say the market maintains 8% return. 10 years later, how much more money would you put into bonds?
by norm52
Mon May 03, 2021 3:53 pm
Forum: Investing - Theory, News & General
Topic: 25 year old who just started investing for retirement
Replies: 4
Views: 499

Re: 25 year old who just started investing for retirement

I'm not necessarily a fan of simplicity merely for the sake of simplicity, but at your age it is good advice. Invest the Roth IRA in Fidelity Freedom® Index 2060 Fund (FDKLX) and be done with it. If you have a similar fund in the 401k, use it as well. Otherwise, just do 50% BLACKROCK MSCI ACWI EX U...
by norm52
Mon May 03, 2021 3:44 pm
Forum: Personal Investments
Topic: IRA account for my parent
Replies: 8
Views: 486

Re: IRA account for my parent

A target date fund is a good choice for someone who is just opening an IRA account. Once they have accumulated enough they can always exchange into other (lower cost index) funds later with no tax consequences. Why would you have her contribute to a traditional IRA? She qualifies for a Roth IRA. Si...
by norm52
Mon May 03, 2021 3:31 pm
Forum: Investing - Theory, News & General
Topic: 25 year old who just started investing for retirement
Replies: 4
Views: 499

25 year old who just started investing for retirement

So I currently just started working. I am maxing out my ROTH IRA and HSA. Also meeting the employer's contribution for the 401k. Roth IRA Portfolio: FZROX ZERO Total Market Index Fund: 67% FZILX ZERO International Index Fund: 30% FZIIX International Bond Index Fund: 2% FXNAX U.S. Bond Index Fund: 5%...
by norm52
Mon May 03, 2021 2:22 pm
Forum: Personal Investments
Topic: IRA account for my parent
Replies: 8
Views: 486

Re: IRA account for my parent

She will inherit 50% of her spouses' pension. Pension is also adjusted by 2% fixed regardless of the inflation. Also she has a 870k house fully paid off and 900k house which is being paid off by her spouse which she will inherit. I am not entirely sure on the details but my mom and the husband is lo...
by norm52
Mon May 03, 2021 1:59 pm
Forum: Personal Investments
Topic: IRA account for my parent
Replies: 8
Views: 486

IRA account for my parent

So my mom who is 55 is going to make a traditional IRA account with fidelity. She is married to an 70 year old person whose annual pension income around 150k. My mom makes around 24k. They are filed jointly for taxes. What should be here investments? How much should she put in bonds. I kind of think...
by norm52
Tue Mar 02, 2021 12:40 pm
Forum: Personal Investments
Topic: Where should I invest my 401k funds into?
Replies: 9
Views: 750

Re: Where should I invest my 401k funds into?

See lakpr's post in your other thread-- https://www.bogleheads.org/forum/viewtopic.php?f=1&t=340505&p=5826353#p5826353-- Do you know what asset allocation you want? Paul I was thinking 65% in US stocks, 30% in international and 5% bonds but bonds may not be necessary at my age since I have ...
by norm52
Mon Mar 01, 2021 7:20 pm
Forum: Personal Investments
Topic: Where should I invest my 401k funds into?
Replies: 9
Views: 750

Where should I invest my 401k funds into?

Available funds:
https://drive.google.com/file/d/1dbgcoq ... sp=sharing

I am an 24 year old who makes 65,000 a year.
by norm52
Thu Feb 18, 2021 7:59 pm
Forum: Personal Investments
Topic: Which Investments to pick for my 401k
Replies: 1
Views: 375

Which Investments to pick for my 401k

Equity/Stock AMERICAN EUROPACIFIC GROWTH R6: RERGX AMERICAN GROWTH FUND R6: RGAGX ARTISAN MID CAP FUND INVEST CL: ARTMX ARTISAN MID CAP VALUE FUND INV: ARTQX BLACKROCK EXTENDED FD CL K: BEEMT BLACKROCK MSCI ACWI EX CL M: BMSIT DFA U.S. SUSTAINABILITY CORE 1: DFSIX DODGE & COX INTERNATIONAL ST: ...