Bogleheads.org

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...

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%.

Always passive wrote: ↑Thu Mar 16, 2023 11:15 am Given the present banking crisis I wonder, like I have in the past, whether it is prudent to have almost all of my investments (ETFs, single TIPs plus some cash) at Fidelity. I have worked with them for close to 30 years and I have been very pleased, but what if something happens to Fidelity?

There is an article at WSJ by the name
“Can Your Money Pass a Stress Test? Lessons From SVB’s Collapse”

Which brought back that question.

Once again (this has been discussed in the past) can I get some input on the question???

I don't believe that's an issue. I have all investing accounts with one fund firm (Vanguard) and banking functions with the local branch a large bank.

reasons for using one fund firm

Hello Bogleheads , My long time financial adviser is retiring and his succession plan is to merge his current clients with another firm that uses the same investor broker /dealer . My wife and I have been doing due diligence interviewing two other advisory firms . Question is it prudent to stay with his succession plan or move funds to a new advisory firm ? Thanks What fees are charged by each adviser being considered? Costs matter and they matter a lot. Here is a guide to help in deciding if you want or need an advisor: "The great paradox of using an advisor is that you must know some basics in order to evaluate the advice, and once you do, you also know enough to consider doing your own management." "Chapter 10 – On Your O...

Hey guys my wife has 2 smaller 401k accounts from pervious employers. With typical 401k account fees should I roll these into something else or should I let them alone. The accounts have been holding their own and doing pretty well but I was thinking long term with 401k fees. Thanks for your advice. A financial advisor told me a few years ago to not worry with rolling them anywhere and just don't forget about them basically. Just getting everyone's opinion. Rollover of some kind should be the default preference; otherwise you may wind up with many small old 401k accounts. The average worker tenure at an employer is just 4-5 years, and employees on average have 12 employers during their working life. Employee Benefit Research Institute (EBR...

Bonehead3 wrote: ↑Sun Mar 12, 2023 6:33 pm Hello,

I'm retired and am in Vanguard, primarily the Total Stock Fund. My rep explained that I could switch with no tax consequences to a EFT. Would my annual capitol gains generated internally be less with the ETF?

No difference. The ETF is just another share class of the mutual fund.

My dad has his SEP retirement (>$1M) in cash (for right now) at TD Ameritrade (unsure if it's now Schwab)? He is asking me whether he can and should open SEP accounts at other brokerages and transfer $250K to each to stay under the $250K FDIC limit at each facility. I started to help him look into this. I see that for Fidelity, he needs to complete a form and then mail it in. I also don't see a place to specify how much of his TD Ameritrade money he wants to move to Fidelity. Must he move the whole balance, which defeats the purpose for him, or can he just move maybe $250K and then move other chunks to other brokerages. Does this process take a while since it appears this needs to be done by mail? I told my dad I would call some brokerages...

Welcome to the forum :D # GAIOX FUND- expense ratio 0.68, opened 04/22 with 125k and have added another 1k since then, current balance 110k with a loss of -13.08 since current investment. This is not needed money should i sit on it and wait for better days or take my loss and move to another investment. # AAETX FUND- expense ratio 0.67 this is a roth ira account, opened 04/22 with 21k and have since then added 10k to this for a total investment of 31k, right now the balance is 29,400 with a loss of -2.01 since opened, same question for this account # 55 years old working at least another 7 years and yes i do have a 401 k thru work witch i max out and i do have other investments one in vusxx and then cash I suggest rollover of the Roth IRA t...

bshnew wrote: ↑Tue Mar 14, 2023 6:51 pm Hi everyone,

Thanks again for all your input. I have a new question. Do you think I need to have bonds in my Roth IRA? I’m 46, I will likely work until 70, I have an incredibly stable job with a 403b and 457b, and my income is solid. I’ve read it’s reasonable to have an all-stock portfolio in your Roth to let it get fat as a tick.

Thanks,
Brooke

In general it makes sense in a Roth IRA to use only stock funds with their higher expected returns.

This is provided that you have good low cost bond funds available to use in your employer's plans.

I have been investing and fairly basic index funds in both taxable and non taxable for awhile now. Given my age though (mid 30's) I have stayed 100% stocks with a very large, 85% plus, in index funds. Given the recent environment I have really thought about trying to enter the bond world with some of the cash I have sitting on the side. Am I reading the headlines to much by thinking it appears to be a good time to enter the bond world now? Oh I should mention, I don't sell once I buy, so by entering the bond world now it would mean I would anticipate holding. Everything I have read over the last decade has made me more than comfortable being in all stocks but now it just seems like the bonds are providing a more stable return. Any insight ...

My total 401K/IRA value is $1.34M. I contribute the maximum to my 401K including catchup ($30K). I have a very small pension that is vested but only pays $8K a year. It is not indexed to inflation. Up until 2023, I used a company called Blooom to manage my Fidelity 401K, but the company folded. I have not touched my IRA since 2019 since the balance did increase from 2019 to 2022. Beyond SSA and a small pension, my IRA and Fidelity 401K are my entire investments. I had hoped to retire at 66 but I don't see that happening anymore. I had hoped to have saved a minimum of $1.8M by retirement. I've listed my current profile below. Emergency Funds: $45K Debt: $0 Mortgage: I split a remaining mortgage of $125K 3-ways on an IN property. Mortgage is...

renegade06 wrote: ↑Sat Mar 11, 2023 5:09 pm I am looking to rebalance to increase my percentage of international funds. Currently, all of my international is in VXUS in taxable. I am considering moving $ inside my 401k from the Fidelity Total Market (US) into the Fidelity International Index. Just wondering if there or any downsides to doing this or if I should instead sell VTI and buy VXUS in taxable. I have some VTI losses that I can take, but not enough to cover the amount that I want to move.

I think it's best to rebalance in the 401k account.

Exchanging to international stocks inside your 401k account means the transaction will not trigger income tax liability like a transaction in the taxable account.

I would not give up on the idea of retirement at age 66 or 67. We all had a rough year last year. A lot can happen in the next 3-4 years. Hi, I posted a question regarding balancing my 401K back in 2019. I was 59 1/2 at the time and my Vanguard 401K was valued at $995K. I had to rollover the 401K into an IRA since the company I work for was acquired. Ironically, while my IRA did grow from 2019-2022, the value of my IRA has fallen back to a current value of $995K. At Vanguard I also have a small Employer savings plan of $45K that was not rolled over. Finally, my 401K at the acquired company is managed through Fidelity and it has a value of $313K. My total 401K/IRA value is $1.34M. Up until 2023, I used a company called Blooom to manage my Fi...

KellyInBaconville wrote: ↑Fri Mar 10, 2023 5:00 pm In the t-IRA that came over from EJ was in cash. It settled yesterday.
This morning I bought
FZROZ
FZILX
FXNAX
Best part was no fees to do this!!
Think I’m beginning a journey.
Still reading the Wiki here.
Lots to learn.

Congratulations, no fees and extremely low expense ratios

Do you or your spouse have any other accounts? It's often best to coordinate investments among all accounts, rather than treat any particular account in isolation. My 401k is ~40% of overall net worth, I left my old job and never got around to moving my 401k to new employer. Should I keep that money in old 401k plan? And if so do you think I should reallocate existing funds? Or should I move the money to my new 401k plan? What do you think of the investment choices in new plan? Any comments on which funds to choose? Other things I should consider? I'm 40yr old with 3 elementary aged kids. Wife and I both work and max out 401k each year. This is solely my 401k plan and have no intention to retire early (another 15 years minimum). Old 401k ~4...

patientnvstr wrote: ↑Fri Mar 10, 2023 10:56 am

ruralavalon wrote: ↑Fri Mar 10, 2023 9:39 am What is your tax bracket, both federal and state?

I'm 24% Federal, 9.3% state (California).

ruralavalon wrote: ↑Fri Mar 10, 2023 9:39 am Hold a larger fixed income income allocation in the tax-deferred accounts accounts to achieve your desired overall asset allocation.

So either a different target retirement fund in my taxable accounts, or adding some additional bond funds to balance out the overall asset allocation?

It depends on what fixed income funds are offered offered in your employer's 401k plan. Which fixed income funds are offered? Please give fund names, tickers and expense ratios.

What is your tax bracket, both federal and state? I'm currently maxing out my 401k and IRA, have emergency savings and no debt, and am looking to save additional funds towards retirement. Since my 401k and IRA both use a target retirement fund (VTIVX), should I try to mimic that fund in my taxable account using tax efficient funds? Is that even possible, and if so, any guidance on fund choices? Much appreciated! I suggest very tax-efficient total market or large-cap stock index funds your taxable account. If at Vanguard that could be Vanguard Total Stock Market Index Fund (VTSAX), the ETF share class is VTI. Hold a larger fixed income income allocation in the tax-deferred accounts accounts to achieve your desired overall asset allocation. W...