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OP: I assume the late ex-husband's IRA and 401k were divided by QDRO in the divorce, correct? If so, the share that went to your daughter is her's. The share that stayed with the ex-husband for which daughter is the beneficiary is subject to the SECURE Act rules and the key is whether she is an "Eligible Designated Beneficiary" under the SECURE Act: There are five categories of individuals included in the EDB classification: https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-beneficiary The owner’s surviving spouse The owner’s child who is less than 18 years of age A disabled individual A chronically ill individual Any other individual who is not more than 10 years younger than the deceased IRA owner...

Which one is the Vanguard S&P 500 from the options above? And you list that one along with the Vanguard Extended Market one as though they are one selection. I'm not sure I get that. And I didn't understand the 82% and 18% - at first I thought that was the suggested allocation, but if I add the other 2 you recommended, it would be over 100%. Can you please clarify that? I like your suggestion and think I might go with it, but just want to confirm I understand. And if it would just be 3 things I'm selecting - would I allocate equal amounts of my portfolio to each of those three? Vanguard Institutional Index Instl Pl (VIIIX) ER 0.02% is the S&P 500 index fund. A S&P 500 index fund covers over 80% of the U.S. stock market investin...

This will be an inherited IRA and subject to the new(ish) 10 year rule. The one exception might if the divorce provided for a QDRO but that was not completed before his passing. Even then, it would probably only cover part of the balance. Non Spouse, yes. Subject to Secure 2.0, yes. But because of the relative ages, she may elect instead to take out an RMD each year based on her life expectancy as an eligible designated beneficiary. She should take the first RMD by December 31 of the year following the year of death. Alternatively, she can choose to follow the 10 year rule. Non-spouse beneficiary options In 2020 and later, options for a beneficiary who is not the spouse of the deceased account owner depend on whether they are an "elig...

I recently fired my financial advisor and now that I'm going solo, I realized I may possibly not have the best funds in my 403b (these are funds my advisor picked), so I wanted to get some feedback. I currently have: FLCNX - 98.37% VMFXX - 1.63% I didn't think much of it until I saw a couple posts on here where people were saying the FLCNX has a high expense ratio. If that's an issue for me, what would be suggested as an alternative for that as well as for the VMFXX if that also is problematic? Also, if I change either of these to something else, I guess the process is to sell my current funds and buy new ones? If so, is there a risk to this and losing money in this process? Sorry for my ignorance here. I'm slowly getting a handle on all t...

exodusNH wrote: ↑Tue Mar 28, 2023 1:55 pm

ruralavalon wrote: ↑Tue Mar 28, 2023 1:52 pm My daughter who is just one year younger than her ex-husband and recently divorced will inherit his IRA and 401k account because of the beneficiary designations.

Is there reason not to rollover his IRA and 401k account into her IRA, rather than maintaining a separate inherited IRA?

To be clear, the ex has died? If so, he died after the divorce was final?

The ex has died, the divorce is final, he had not begun RMDs because not yet required.

My daughter who is just one year younger than her ex-husband and recently divorced will inherit his IRA and 401k account because of the beneficiary designations.

Is there reason not to rollover his IRA and 401k account into her IRA, rather than maintaining a separate inherited IRA?

Edit, the ex has died, the divorce is final, he had not begun RMDs because not yet required.

Edit, No QRDO was entered with the recent divorce decree. They had a legal separation 4 years ago, and she then received 1/2 of his IRA. She is still the designated beneficiary of his 1/2 of the IRA and of his 401k account.

New Vanguard 3 fund participant. I am almost 79, wife is 76. Our SS, pension, IRA and VA disability income provides for pretty much all of our needs. The taxable invested portion is a 35/60/5 allocation (equity, bond, cash). Currently in VTSAX, VTIAX and VBTLX. Our current withdrawals from this account will be fully discretionary - travel, major purchase, home improvement. I fully understand the stock portions of the portfolio. My question has to do with the VBTLX portion. Is it as wise a place to be for our situation, or would a shorter duration bond fund or money market or individual treasuries be better. The volatility in today’s world is unsettling to me. Just stay the course (even though our course is of relatively short duration)? Th...

mega317 wrote: ↑Tue Mar 28, 2023 12:08 pm

ruralavalon wrote: ↑Tue Mar 28, 2023 9:17 am The Empire of Ice and Stone, by Buddy Levy.

This is a history of he last voyage of the Karluk, flagship of the Canadian Arctic Expedition of 1913–16, with ended with the ship trapped in the ice, drifting across the Beaufort and Chukchi Seas and sunk when crushed by the ice. The crew was stranded on the ice, 14 of the 25 man crew were eventually rescued from Wrangel Island north of Siberia.

Recommended.

Sounds just like In the Kingdom of Ice, Hampton Sides. About the USS Jeanette. I enjoyed that one.

They are very similar books . I also enjoyed In the Kingdom of Ice.

The Empire of Ice and Stone, by Buddy Levy.

This is a history of he last voyage of the Karluk, flagship of the Canadian Arctic Expedition of 1913–16, with ended with the ship trapped in the ice, drifting across the Beaufort and Chukchi Seas and sunk when crushed by the ice. The crew was stranded on the ice, 14 of the 25 man crew were eventually rescued from Wrangel Island north of Siberia.

Recommended.

The expense ratios of the three index funds suggested are lower than you can get in an IRA: 1) S&P 500 Index Fund (80% of the U.S. stock market) (0.02%); 2) Northern Trust International Index Fund (MSCI ACWI ex-US IMI, total international stock index fund) (0.04%); and 3) Northern Trust Bond Market Index Fund (Bloomberg U.S. Aggregate Bond Index, total bond market index fund) (0.02%). What is the thought regarding a 90/10 split between the S&P 500 and Russell 2000 funds within the 401(k) in order to replicate a Total Stock Market fund? I found that suggested split here: https://www.bogleheads.org/wiki/Approximating_total_stock_market . It seems that the Total Stock Market fund and S&P 500 have followed each other fairly closely...

I am a bit confused on the income limits on opening a 401k and IRA. Currently, we have the following: Myself - 401k through my employer which they match up to 7%. I am currently making approximately $105k and have a side business making approximately $10k more. I am contributing 10% on my 401k (about $10,500 a year) Wife - She is a teacher. She makes approximately $60k and besides her pension, has an IRA which she is contributing 5%. Can I open an IRA too? Thanks! I actually opened a ROTH IRA last week (have only contributed $100 to it so far). I wanted to open an IRA rather than contribute more to my 401k because: 1. I wanted to have more investment flexibility than my 401k offers. 2. I plan on increasing my contributions to my 401k in th...

My mother (74) is moving her retirement accounts from UBS to Fidelity. The UBS accounts are with an advisor, but the Fidelity accounts will be self-managed. She really likes the UBS advisor, which she (and my father before his death) has been using for about 10 years. She is moving because of the costs (1.2% AUM and a large portion in a cash account earning 0.05% APY). She asked me to help her with the transfer and to "manage" the accounts for her. I am looking for a second opinion on how to help her with these accounts. Here is the relevant information: Income in 2023: 105k (approximately 1/2 RMD and 1/2 Social Security) Emergency funds: Yes, about 6 months in a bank account with local branches Debt: House mortgage: 240k @ 2.75%...

For something else most equivalent to VTSAX I suggest Fidelity® Total Market Index (FSKAX) ER 0.015%.

I am not worried about concentration of risk in a S&P 500 index fund.

So I need to roll over about $300K 401K from my previous employer into an IRA account. What should I do with that money once it’s in my IRA? What would you purchase? I am in my 50s and have plenty of other investments. Without any other context, I'd say invest it according to your desired asset allocation. 60/40 or whatever you've chosen for your stocks / bonds / cash percentages. If you want specific advice, consider posting your portfolio details in the Asking Portfolio Questions format. Regards, + 1, you have not provided enough information. What fund are you currently using in the old 401k account? Please give fund name, ticker and expense ratio. If the old 401k offers good funds with low expense ratios, and has no account maintenance ...

The index funds in the 401k are excellent funds very diversified funds with very low expense ratios. You are fortunate. Don't pass up the opportunity to use those funds to the maximum extent possible. "The Fund seeks to provide returns that approximate the overall performance of the Bloomberg U.S. Aggregate Bond Index. The Fund invests primarily in the units of the Northern Trust Collective Aggregate Bond Index Fund. The Fund is managed using a "passive" or "indexing" investment approach, by which the Fund attempts to match, before expenses, the performance of the Bloomberg U.S. Aggregate Bond Index. The Index measures the investment grade, U.S. dollar-denominated, fixed-rate taxable bond market in the U.S., includi...

As the title says. I'm wondering if it is ok to park cash that is designated for cash reserve in Vanguard VMFXX as I may need them in a couple of months. My Emergency Fund should be between 20K-30K and now I have about 40K. I may have some expenses coming in the next couple of months for property tax for rentals. That would be between 10K -15K. So I was thinking to park it in Vanguard VMFXX and earn some extra money by parking it there. Is it ok to put maybe 30K? Not really investing but when need it then pull it out. Some general questions. As interest is higher than my back. Should I keep a portion of the Emergency Funds in VMFXX in the current market? In my opinion that is a good idea. I'm wondering if it is a good idea to use either fu...

What index is used by the "International Index Fund (0.04%)"? What index is used by the "Bond Market Index Fund (0.02%)"? Unfortunately, I do not actually know the answer to this. These funds offered by my employer within the 401(k) are exactly as I listed. There was not ticker symbol or any other identifier which I could find. I am not sure if it is useful, but this is what I can see for the portfolio builds of each fund in question: International Index Fund: 100% in "NT ACWI ex-US IMI Fd - DC - NL - J" Bond Market Index Fund: 42.11% in Government Bonds, 29.43% in Agency Mortgage Bonds, 24.82% in Corporate Bonds, 2.53% in Government Related Bonds, 0.63% in Municipal Taxable Bonds, 0.47% in Asset-Backed Bonds,...

RETIRE ONE DAY wrote: ↑Thu Mar 16, 2023 8:54 am [This thread has been merged into OP's recent thread on similar topic. Best to keep all potentially relevant information together is one thread. Moderator Pops1860]

roth ira account and it will be maxed every year, 7 years left until retirement, which one and why ? Thank you
vanguard 2030 account vthrx----- fidelity 2030 account fffex

Vanguard Target Retirement 2030 Fund (VTHRX) ER 0.08% because of the significantly lower expense ratio.

Also the Vanguard fund has had a higher return with lower volatility. Portfolio Visualizer, 2007-2023.

I noticed that you Roth IRA will be at Vanguard. I see no particular reason to use a Fidelity fund at Vanguard.

As the title says. I'm wondering if it is ok to park cash that is designated for cash reserve in Vanguard VMFXX as I may need them in a couple of months. My Emergency Fund should be between 20K-30K and now I have about 40K. I may have some expenses coming in the next couple of months for property tax for rentals. That would be between 10K -15K. So I was thinking to park it in Vanguard VMFXX and earn some extra money by parking it there. Is it ok to put maybe 30K? Not really investing but when need it then pull it out. Some general questions. As interest is higher than my back. Should I keep a portion of the Emergency Funds in VMFXX in the current market? In my opinion that is a good idea. I'm wondering if it is a good idea to use either fu...

I am an engineer and my wife is a behavioral therapist for kids with special needs. Unfortunately, neither of us have a pension (they're mostly gone these days it seems!), but will be eligible for Social Security benefits. In terms of tax-deferred accounts, I rolled my old 401(k) and new Roth 401(k) together when I began at my new company. However, it appears that Fidelity is smart enough to know which funds are earmarked as "Roth" and "Pre-Tax" within the account. My old 401(k) was traditional and I believe all employer contributions into the 401(k) are tax-deferred. That would put "tax-deferred" monies at ~$165k between the 401(k) and HSA accounts. The HSA has another ~$6k which is in cash at the moment. I d...

lepa71 wrote: ↑Tue Mar 21, 2023 9:18 am As the title says. I'm wondering if it is ok to park cash that is designated for cash reserve in Vanguard VMFXX as I may need them in a couple of months.
My Emergency Fund should be between 20K-30K and now I have about 40K. I may have some expenses coming in the next couple of months for property tax for rentals. That would be between 10K -15K. So I was thinking to park it in Vanguard VMFXX and earn some extra money by parking it there.
Is it ok to put maybe 30K? Not really investing but when need it then pull it out.
Some general questions. As interest is higher than my back. Should I keep a portion of the Emergency Funds in VMFXX in the current market?

In my opinion that is a good idea.

Hello, Bogleheads . . . and thank you for reading the following, which ends with a question for your input (based on your expertise): Last week, my husband’s financial adviser urged him to sell his stakes in VBILX and VBTLX—some in a taxable brokerage account and some in an IRA-- and park the proceeds in Vanguard’s settlement fund in each account until things settle down (at some point) and the proceeds can be reinvested elsewhere. My husband relayed that information to me immediately . . . and I’ve been mulling over that advice ever since. I tend to be a “stay the course” investor, for a number of reasons, not least the fact that I know better than to attempt to time the market. Nevertheless, I have shares in both funds in my SEP-IRA. Not...

I know the the Total Stock market is a wider assortment of companies - but can there a case be made for the SP having more stable, reliable companies? What things do you consider when evaluating both these indexes? I prefer a total stock market index fund if available, for a little additional diversification. If not available then in my opinion a S&P 500 index fund is good enough for investing in U.S. stocks. A S&P 500index fund invests in stocks of selected large-cap and mid-cap U.S. companies, in the 30 years since the creation of the first total stock market index fund the two types of funds have had almost identical performance. Portfolio Visualizer, 1993-2023 . It appears that adding a little bit of small-cap stocks and a litt...

For simplicity I use just one firm (Vanguard) for all of my investing accounts (rollover IRA and Roth IRA). I use a local branch of a major bank for my checking account, ATM and any other banking services I need.

Welcome to the forum :) . Your employer's 401k plan offers diversified index funds with very low expense ratios. You are fortunate. It's great to see that you are a good saver. For a quick education for the novice investor I suggest reading both Dr Bernstein's short pdf book If You Can , and the wiki article "Bogleheads® investment philosophy", see the link below in my signature. Desired International Allocations : I am thinking around ~20% of stock, but am unsure and open to suggestions In my opinion an allocation of 20% of stocks in international stocks is within the range of what is reasonable. Questions : I am on the fence as to whether or not I should continue using Edelman Financial Services for active management of my 401(k...

Deleted duplicate post.

I’d appreciate your help with my current 401k options (all with Fidelity) as I rebalanced, but I’m not sure if I made a smart move. Last week, I was at 25% S&P, and the rest was an even split between Fidelity U.S.Bond Fund Index and Fidelity TIPS. I was a little heavy in U.S. stocks and with the recent turmoil, I changed to my current position which is 50% TIPS and 50% Stable Value. I’m late 40s and about 15 years away from retirement. I’m wondering if I should exit the stable value position - but is it better to go with TIPS, U.S. Bond, or a mix? The vast majority of my bonds are in the TSP G fund which I’ve kept open after leaving the government. Thanks in advance Sounds like a panic reaction to the news ... I would have not exited t...

Holding "dry powder" to buy something at a better time in the future is market timing.

Wiki article "Bogleheads® investment philosophy", Never try to time the market.

I suggest not trying to time either the stock market or the bond market.

For someone who wants something safe and highly liquid as part of their fixed income allocation I suggest a very safe money market fund, like Vanguard Cash Reserves Federal Money Market Fund Admiral Shares (VMRXX), current SEC Yield = 4.55%.

I also suggest using Fidelity® U.S. Bond Index Fund (FXNAX) in your 401k account.

Bonds have had a low correlation with stocks, NOT a negative correlation.

What interest rate is currently being paid on Putnam Stable Value Fund 15, and what rate of any is guaranteed? That may be also a good choice if the rates are good.

Hello! I'm a new federal government employee and am considering allocating the entirety of my bond allocation to the G Fund. My rationale is that the G fund is zero risk and so this would let me tweak the remainder of my portfolio towards riskier investments, while keeping my overall risk the same. Both my spouse and I are in our mid 40s and we have one child in elementary school. The total portfolio amount is mid six figures. Some questions: 1. Is this plan reasonable or do you think that there is a better way to proceed? 2. My existing allocation is 60/40. How far can I modify this while keeping the overall risk the same - 65/35, 70/30, 75/25? I'm not sure how I would go about calculating this. I did search the forum - although there is ...

If you're retired, which safe withdrawal rate (SWR) has allowed you actually to grow your nest egg, inflation-adjusted? And how about the future? Do you have any plans to change your SWR? Asset allocation? I'd like to compare your experience with my plans for an SWR. Of course, in my planning, the withdrawal rate has to be adjusted upwards when required minimum distributions kick in, and that makes portfolio growth particularly difficult, as it is supposed to, I suppose. Thanks. I am age 77, retired, no pension or annuity. I don't withdraw a set percentage, and have always withdrawn the amount needed for my living expenses. This has usually turned out to be less than 4%. I have been retired for 12 years, initially our asset allocation was ...

I suggest #3, international in your large 401k (69% of total portfolio), for simplicity. Reallocating now and future rebalancing can simply be by exchanging between funds inside the 401k.

In my opinion 20% of stocks in international stocks is within the range of what is reasonable. Blackrock EAFE Equity Index Fund is a reasonable choice, or you can also add an emerging markets fund if you wish.

I also suggest Vanguard Tax-Managed Balanced Adm (VTMFX).

Why bother.

More investments does not equal more diversification. More concentrated investments is the opposite of diversification.

I have a significant portfolio, which I've owned for years, with Vanguard. As has been noted, their customer service took a dive, though recently it seems to be back on its way up. I am about to receive another sizable amount of money to invest, from an inheritance, and am wanting people's opinions on the pros and cons of putting that money with Vanguard as opposed to another brokerage house (Schwab? Fidelity?). What do people see as the pros and cons of each approach, and what advice might they have to offer with regard to a final decision? If it has any relevance, I am retired. Thank you. For simplicity I have all my investing accounts (rollover IRA and Roth IRA) at a single fund firm, and my banking functions at a large bank with a bran...

I want to max out my employer contributions to my solo 401k for 2022 but am unsure about the max contribution limits. I have a 403b (employer 1), 401k (employer 2) and solo 401k (1099 income). Does the 401(k) Employee & Employer Contributions limit of $61,000 apply to all of these cumulatively or does each get a $61,000 limit since they are "unrelated employers"? Can I contribute any more employer contributions to my solo 401k for 2022? 1099 Income: $182,932 Expenses: $8,009 Net 1099 income:$174,923 1. Employer 1 403b - Employee contributions: $15,720 - Employer contributions: $9,040 2. Employer 2 401k - Employee contributions: $5,124 3. Solo 401k - Employer contributions: $38,279.00 Thanks for your help! IRS, "How Much ...

Thanks, I appreciate the continued support from you all as I get ready to set it and forget it with my accounts. I'm strongly leaning towards a target date fund but also like the 2-4 fund index option. My current inclination is to go with: 70% - FSKAX - Total US Stock Index 15% - FTIHX - Total Intl Stock Index 15% - FXNAX - Total US Bond Index Still pondering 5% or so of FSRNX REIT as well. Then set a reminder to check up around age 50 in 8 years. I have the bulk of my holdings, 3/4 or so, in traditional IRA and the rest in a Roth 401k that will be funded w/ 15-25% of my income moving forward. It has good vanguard low cost index fund options I can match the Fidelity allocations with. By age 60, my Roth to Traditional holdings should be abo...

No cash "in portfolio". The only cash is whatever happens to be in my checking account, it varies, currently about 0.25% of the portfolio.

Total bond VBTLX includes mortgage-backed securities, of which roughly a third are GNMAs. Another difference is that VBILX holds intermediate bonds only, while VBTLX achieves an intermediate average duration but also holds short-term and long-term instruments. Older thread I am responding to, but I am responding with a question due to my spouse's plan switching all participants within the plan from VBTLX to VBILX next month. Is it okay to assume that they are similar enough funds that for her tax deferred plans (403b and 457b) bond coverage (she keeps 30% in VBTLX in one plan and 40% in the other) it will more or less be a wash? CyclingDuo Historically higher returns with higher volatility, good risk-adjusted returns, and the same low corr...

The Cafe, on Amazon Prime.

Just two seasons and 15 episodes, a comedy about a cafe operated by a mother, daughter, an grandmother and in a seaside resort town in England.

Recommended.

Waking Ned Devine, on Amazon Prime.

We watched in St. Patrick's Day. Fifty two residents of a coastal Irish village conspire to cash a winning lottery ticket, after the man who bought the ticket has died of shock.

Recommended.

Shooting4Sixty wrote: ↑Fri Mar 17, 2023 5:56 pm Are there any other metrics aside from expense ratio that I should use to better understand why none of the american funds are worth keeping?

Since they're all unique blends it seems hard to compare to any given index?

American stock funds tend to concentrate on so-called "growth stocks", ignoring "value stocks", so not fully diversified .

Other metrics could include degree of diversification, volatility, turnover rate, and risk-adjusted returns. For bond funds other metrics could include average credit quality, effective duration and volatility.

It's hard to beat an index fund for the combination of lower risk and higher net returns.

One total market index will get you the same results. Can you explain? My portfolio is very different than a total market index. I am tilting towards small cap and value, which over the long term have outperformed the total market significantly. . . . . . . . . . My split is: VALUE EMERGING: Aves: 20% S&P 600: IJR: 20% SMALL CAP VALUE: AVUV: 15% MID CAP: VO:20% INT SMALL CAP VALUE: AVDV:15% S&P 500: 10% The simpler solution is Vanguard Total Stock Market Index Fund (VTSAX) plus Vanguard Small-cap Value Index Fund (VSIAX). The ratio could be 3:1. Rick Ferri, etf.com (7/21/2014), To Tilt Or Not To Tilt? Using regular mutual funds rather than exchange traded funds (ETFs) allows you to set up automatic investment of new contributions a...

Welcome to the forum .

Rom wrote: ↑Sat Mar 11, 2023 8:15 pm
. . . . .

. . . . I would like to focus only on the effect of expense ratio on earnings.

Thank you in advance for any insights you can provide.

The SEC Mutual Fund Cost Calculator.

One total market index will get you the same results. Can you explain? My portfolio is very different than a total market index. I am tilting towards small cap and value, which over the long term have outperformed the total market significantly. Have you compared your portfolio against a more typical three fund portfolio in portfolio visualized? Even if you were convinced the risk/returns were better with your AA, I’m sure you could recreate by consolidating mainly within VTI and adding a small cap value tilt with a single ETF along with some international exposure in another fund. Do you have a specific tool to suggest on how I can do this comparison? It seems most portfolio visualizer are just looking at past performance. There is no too...

Imagine this question has been asked many times, but couldn't find much. Seems like a pretty simple feature for them to implement. Each month I contribute to my portfolio (7 different etfs, at 10-20% weightings). It is time consuming to do this each month. I wish I can just contribute to one thing and set the weightings and it does it for me (market order or set limit order at .02% below market or something). What is the solution to this basic issue? EDIT: 6 funds, not 10. But point is the same. Cheers If in tax-advantaged accounts switch to the regular mutual fund versions of the 6 exchange traded funds (ETFs). With regular mutual funds it's easy set up automatic investment of new contributions and also easy to set up automatic reinvestme...

Congratulations on quitting Edward Jones :) . I finally took the steps to transfer my e jones accounts to fidelity! I now have the following Traditional IRA/Rolledover Acct holdings to figure out what to do with. FUND NAME - % OF ACCT AWSHX AMERICAN WASHNTN MUTUAL INVESTRS CL A - 22% AGTHX AMERICAN GROWTH FUND OF AMERICA CLASS A - 18% SMCWX AMERICAN SMALL CAP WORLD CLASS A - 14% ABNDX AMERICAN BOND FUND OF AMERICA CLASS A - 13% ANWPX AMERICAN NEW PERSPECTIVE CLASS A - 13% CWGIX AMERICAN CAPITAL WORLD GRTH & INC A - 10% LGMAX LOOMIS SAYLES GLOBAL ALLOCATION CLASS A - 4% AHITX AMERICAN HIGH INCOME TRUST CLASS A - 4% NEWFX AMERICAN NEW WORLD FUND CLASS A - 2% This is the breakdown I got from Fidelity Domestic Stock 52% Foreign Stock 24% Bo...

RETIRE ONE DAY wrote: ↑Thu Mar 16, 2023 11:52 am

ruralavalon wrote: ↑Thu Mar 16, 2023 11:48 am

RETIRE ONE DAY wrote: ↑Thu Mar 16, 2023 8:54 am roth ira account and it will be maxed every year, 7 years left until retirement, which one and why ? Thank you
vanguard 2030 account vthrx----- fidelity 2030 account fffex

Fidelity Freedom® 2030 (FFFEX) has a high expense ratio, 0.66%. I would never consider using that fund for that reason.

Which fund firm or brokerage is your Roth IRA with?

If at Vanguard I suggest using Vanguard Target Retirement 2030 Fund (VTHRX) ER 0.08%.

If at Fidelity I suggest using Fidelity Freedom® Index 2030 Fund Investor Class (FXIFX) ER 0.12%.

At Capitol Group american funds 2030 target date 0.66 fee but the problem i have is load fee 3.5 %

In your Roth IRA at Capital Group are you charged any fee for buying the Vanguard target date fund?

Welcome to the forum :happy . Please add the fund names and expense ratios. Please don't use ticker symbols alone. Hello. I am new to this forum and investing. I have $15K to invest in a ROTH, I will take this money out in 10-15yrs from now. From what I have learned from this forum, I have come to the following portfolio: FSPGX 20% VQNPX 20% VTSAX 20% VTRIX 10% VTIAX 10% VQNPX 10% FTBFX 10% This is based on the "Core Fore" and I've expanded a little bit. I don't need this money, I'm hoping it can generate some amount for my future down payment on a home in the future. So I welcome any input and thank you for taking the time to read and hopefully expand my knowledge further. Seven funds is more complex than I prefer. Why funds from...