Search found 6159 matches

by Duckie
Thu Jan 17, 2019 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Help
Replies: 4
Views: 421

Re: Rebalancing Help

My question is whether to rebalance through contributions (looks like that will take quite a while) or through transactions. I am leaning towards transactions, but it will involve moving about $17,000 from bonds to stocks within Roth IRAs that are with Vanguard (no movement of any 403b money). Are ...
by Duckie
Thu Jan 17, 2019 4:35 pm
Forum: Investing - Help with Personal Investments
Topic: New Member- Help with Portfolio
Replies: 8
Views: 606

Re: New Member- Help with Portfolio

if I elect to change some of my elections to some of the options that Duckie first listed, is it appropriate to reallocate the money I currently have in my other elections? Or to put it another way, should I take the money I already have in other elections and move it into the new elections? Or jus...
by Duckie
Wed Jan 16, 2019 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: New Member- Help with Portfolio
Replies: 8
Views: 606

Re: New Member- Help with Portfolio

MSU1526 , welcome to the forum. How should I update our fund elections to better suit the desired allocation? It depends on how much international you want and what the expense ratios are in the 401k plans. Without knowing your plan costs the following appear to be the best options: State Street S&...
by Duckie
Tue Jan 15, 2019 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: John Hancock funds not showing any dividends?
Replies: 4
Views: 232

Re: John Hancock funds not showing any dividends?

PluckyDucky , welcome to the forum. I don't see where they are crediting my account with dividends. I've had the account for 3 full quarters now, but the statements don't show dividends and neither does the website. Are the dividends just reinvested behind the curtain so I can't see and the "value"...
by Duckie
Tue Jan 15, 2019 7:25 pm
Forum: Investing - Help with Personal Investments
Topic: Rebalancing Sanity Check
Replies: 8
Views: 573

Re: Rebalancing Sanity Check

We are going to be rebalancing soon and I'd really appreciate a sanity check before we do. I have three goals: 1) To rebalance, 2) to reduce the number of funds, and 3) to concentrate bonds in tax-advantaged accounts. <snip> Desired Asset allocation: 70% stocks / 30% bonds <snip> Desired Internatio...
by Duckie
Tue Jan 15, 2019 6:52 pm
Forum: Investing - Help with Personal Investments
Topic: Help with the next steps
Replies: 4
Views: 344

Re: Help with the next steps

Now they are telling me I need to upgrade to a Brokerage Acct. I know that this has been debated here by the Forum, but it sounds like I have no choice but to upgrade. Is this true and are there any concerns that I need be aware of? It is true. All new accounts, even for existing customers, are bro...
by Duckie
Tue Jan 15, 2019 6:41 pm
Forum: Investing - Help with Personal Investments
Topic: Reducing Transamerica 401K ER%
Replies: 2
Views: 251

Re: Reducing Transamerica 401K ER%

TransAmerica's PortfolioXpress setup with my company 401K The best options are: Vanguard Total Stock Market Index 0.04% -- Complete US stocks Oppenheimer International Diversified 0.99% -- Mostly developed markets Metropolitan West Total Return Bond 0.78% -- US bonds or maybe Diversified Investors ...
by Duckie
Tue Jan 15, 2019 6:02 pm
Forum: Investing - Help with Personal Investments
Topic: Should my partner contribute to his 403(b)?
Replies: 8
Views: 784

Re: Should my partner contribute to his 403(b)?

And I think he could reduce the actual fees he pays even more if he does an annual transfer from the 403b into the IRA - which I think is allowed, since he will be 100% vested from day 1? <snip> Hopefully he'll also be able to transfer the funds in the 403(b) out every year as well. It is very unli...
by Duckie
Mon Jan 14, 2019 7:17 pm
Forum: Personal Finance (Not Investing)
Topic: SEP IRA vs Solo 401k - What am I not getting?
Replies: 28
Views: 1016

Re: SEP IRA vs Solo 401k - What am I not getting?

The SEP IRA interferes with a Backdoor Roth I didn't know that. Can you point me to more information? When using the Backdoor Roth IRA method you need to consider all non-Roth IRAs when figuring the taxes owed on the conversion because of the pro-rata rule . These include accounts titled Traditiona...
by Duckie
Mon Jan 14, 2019 6:23 pm
Forum: Investing - Help with Personal Investments
Topic: Backdoor Roth Pro-Rata rule. . .can you help?
Replies: 2
Views: 239

Re: Backdoor Roth Pro-Rata rule. . .can you help?

So . .have not done a backdoor roth before but my employer allows it and the HR folks (via fidelity) actually encouraged it. So I am now putting after tax money into my 401k and ready to move it over. However, I have a small IRA at fidelity that was a result of a previous employer long ago. Current...
by Duckie
Mon Jan 14, 2019 5:59 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Gains Question from Novice
Replies: 13
Views: 1246

Re: Capital Gains Question from Novice

Gill wrote:Did you mean this? It is incorrect.
Yes I meant it and yes I now know it's incorrect.
by Duckie
Mon Jan 14, 2019 5:54 pm
Forum: Investing - Help with Personal Investments
Topic: New investor seeking feedback about retirement accounts
Replies: 13
Views: 839

Re: New investor seeking feedback about retirement accounts

You're saying I should use just VTSAX and/or VTIAX in both taxable and Roth IRAs. That would simplify it but will that be ok considering diversification? You diversify across your entire portfolio -- taxable, employer plans, IRAs, etc. You don't have to have every type of asset in every account. Yo...
by Duckie
Sun Jan 13, 2019 10:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard accounts
Replies: 18
Views: 1283

Re: Vanguard accounts

What documents, specifically, do I need? If you were paid dividends in a taxable account you will get a 1099-DIV. This arrives the end of January if you have the old mutual fund account and the end of February if you have the brokerage account. If you have both don't file your taxes until you get t...
by Duckie
Sun Jan 13, 2019 9:16 pm
Forum: Investing - Help with Personal Investments
Topic: Writing personal Investment Plan
Replies: 3
Views: 434

Re: Writing personal Investment Plan

bezosdezos , welcome to the forum. When an IPS says 70% stock vs 30% fixed income where do following assets fall in ? 1. Domestic investment for Rental Property 2. International investment for Rental Property 3. 401ks from employer. 4. Equity built in residential home {No income} The assets in the ...
by Duckie
Sun Jan 13, 2019 7:55 pm
Forum: Investing - Theory, News & General
Topic: Vanguard accounts
Replies: 18
Views: 1283

Re: Vanguard accounts

Russianbear wrote:
UpperNwGuy wrote:Yes, in the US you are taxed on the dividends even if you reinvest them.
Ok. Cuz I got about $100 in my IRA. That won’t make much of a difference.
You are not taxed on dividends in an IRA. You are taxed in a taxable account.
by Duckie
Sun Jan 13, 2019 6:19 pm
Forum: Investing - Help with Personal Investments
Topic: Capital Gains Question from Novice
Replies: 13
Views: 1246

Re: Capital Gains Question from Novice

The Fidelity Total Market Index Fund (FSKAX) information page lists dividends and capital gains separately. For example, capital gains distributions on 12/14/18 were 0.258 per share. Vanguard Total Stock Market Index Fund (VTSAX), on its information page, lists zero realized capital gains. Does tha...
by Duckie
Sun Jan 13, 2019 5:48 pm
Forum: Investing - Help with Personal Investments
Topic: 95% of my taxable acct is VTIAX international. Bad idea?
Replies: 6
Views: 837

Re: 95% of my taxable acct is VTIAX international. Bad idea?

I'm thinking of selling half the international in my taxable account and buying USA equities so I have some flexibility for future withdrawals. BTW, I'm only 50 so that might be in 25 years. I wouldn't bother. You could have the VTIAX dividends go to a US stock fund like VTSAX. In 25 years (even wi...
by Duckie
Sun Jan 13, 2019 5:37 pm
Forum: Investing - Help with Personal Investments
Topic: New investor seeking feedback about retirement accounts
Replies: 13
Views: 839

Re: New investor seeking feedback about retirement accounts

Do not go with Betterment. Are they just bad? No. As a robo advisor they're not bad, but they usually buy lots of things in taxable you don't need because they don't take the rest of your portfolio into consideration. This also affects their tax-loss harvesting. When they sell they don't know what ...
by Duckie
Sat Jan 12, 2019 6:56 pm
Forum: Investing - Help with Personal Investments
Topic: Should my partner contribute to his 403(b)?
Replies: 8
Views: 784

Re: Should my partner contribute to his 403(b)?

Fig Newtons , welcome to the forum. Tax Filing Status: MFJ, starting in TY 2019 (we's gettin' married!!) Congratulations! 401(k) (Hers) [contributing 10%; company match 10%] 90% Fid 500 Index (FXIAX) (0.015%) 5% Fid US Bond Index (FXNAX) (0.025%) 5% Vanguard Target 2055 (no ticker) (0.08%) Current ...
by Duckie
Fri Jan 11, 2019 9:59 pm
Forum: Investing - Help with Personal Investments
Topic: New investor seeking feedback about retirement accounts
Replies: 13
Views: 839

Re: New investor seeking feedback about retirement accounts

Debt: My wife has $151,206 worth of student loans Why? What degree did she get that hasn't been paid off by now? Age: 49 Desired Asset allocation: 75% stocks / 25% bonds 25% in bonds is low for your age. Taxable - we currently don't have a taxable account but we're ready to open one. Just not sure ...
by Duckie
Fri Jan 11, 2019 9:42 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio review - planning AA change
Replies: 2
Views: 292

Re: Portfolio review - planning AA change

Contributions : Both 401Ks will be maxed at $19K+$6K catchup Both Rothss will maxed at $6K+$1K catchup Both HSAs will be maxed at $4450 $0 taxable You only list one HSA. What's the amount in the other? Suggestions on fund placement for easier management & rebalancing? See below. Should I consider o...
by Duckie
Fri Jan 11, 2019 8:02 pm
Forum: Investing - Help with Personal Investments
Topic: Lazy 3-fund portfolio at Fidelity
Replies: 4
Views: 539

Re: Lazy 3-fund portfolio at Fidelity

blacknotebooks , welcome to the forum. Since the recommended 3 Fidelity funds for a lazy portfolio (FSTVX/FTIPX/FSITX) are closed to new investors does it make sense to just use the new zero-fee funds to achieve this, FZROX/FZILX/FXNAX (not zero-fee)? You could. Or you could use FSKAX (formerly FST...
by Duckie
Fri Jan 11, 2019 7:45 pm
Forum: Investing - Help with Personal Investments
Topic: ISO - Bogglehead Financial Revamp
Replies: 3
Views: 389

Re: ISO - Bogglehead Financial Revamp

Age: 32 Desired Asset allocation: at least 85% stocks / 15% bonds An AA of 15% bonds is a little aggressive for your age but reasonable. Desired International allocation: ??% of stocks Vanguard has found between 20% and 40% of stocks in international to be the "sweet spot". See the Vanguard paper l...
by Duckie
Thu Jan 10, 2019 9:55 pm
Forum: Personal Finance (Not Investing)
Topic: How did you solve the pre-medicare healthcare riddle?
Replies: 81
Views: 5594

Re: How did you solve the pre-medicare healthcare riddle?

Bloodsuckingleeches wrote:I would really like to hear some real-life examples of anyone who retired or semi-retired PRE MEDICARE and how they funded healthcare.
I retired at 50 over 12 years ago. I'm in California and have a standard Kaiser plan. My ex-employer currently subsidizes 10% which helps a little.
by Duckie
Thu Jan 10, 2019 9:45 pm
Forum: Personal Finance (Not Investing)
Topic: Same-year IRA recharacterization and conversion: Did I do this correctly?
Replies: 5
Views: 363

Re: Same-year IRA recharacterization and conversion: Did I do this correctly?

I hope I have not gotten myself into hot water. Please help me not lose more sleep over this tonight. You're fine. When you do your 2018 taxes you will fill out IRS Form 8606 . (Right now this is the 2017 form.) It will have (roughly) the following: Part I Line 1 -- $5,500 Line 2 -- 0 Line 3 -- 5,5...
by Duckie
Thu Jan 10, 2019 8:08 pm
Forum: Personal Consumer Issues
Topic: Techies: Advice on How to Transfer Data/Files from Old Mac to New Mac
Replies: 18
Views: 1031

Re: Techies: Advice on How to Transfer Data/Files from Old Mac to New Mac

I do want to copy my passwords and bookmarks to the new mac - that would me important, and I'm not sure how to do that. For bookmarks if you're using Safari, on the old computer with Safari open click on File > Export Bookmarks. That will create an HTML file. Transfer that file (using Time Machine,...
by Duckie
Thu Jan 10, 2019 7:37 pm
Forum: Investing - Help with Personal Investments
Topic: 2019 Portfolio Check Up and Direction
Replies: 2
Views: 317

Re: 2019 Portfolio Check Up and Direction

401k ~50k (~8.5k in Roth and rest in traditional) 90% S&P500 (0.07 expense ratio) 7% Broad Market Bond Index Fund (0.08 expense ratio) 3% Company stock fund. part of company contributions go directly into this requiring periodic re-balancing I hope you sell the company stock as soon as allowed. Rot...
by Duckie
Thu Jan 10, 2019 7:09 pm
Forum: Investing - Help with Personal Investments
Topic: 35...am I on the right track? Feeling overwhelmed with options
Replies: 12
Views: 2030

Re: 35...am I on the right track? Feeling overwhelmed with options

viii welcome to the forum. I'm considering moving my 401k AND my Roth to an online firm. But who? Fidelity and Vanguard seem like good options. I recommend Vanguard, Fidelity or Schwab for your rollovers in that order. Additional possible curveball is that BofA checking is like zero %, should I jum...
by Duckie
Thu Jan 10, 2019 5:34 pm
Forum: Investing - Help with Personal Investments
Topic: Sell stock fund in taxable account and use the proceeds to buy back a similar stock fund in a 401k?
Replies: 6
Views: 831

Re: Sell stock fund in taxable account and use the proceeds to buy back a similar stock fund in a 401k?

I would like to stick with a two fund portfolio across all of my accounts for simplicity. These funds are Total Stock and Total Bond. So I would prefer not to add a municipal bond fund as I want the funds in taxable to be forever funds. You can make things too simple. If you need fixed income in ta...
by Duckie
Wed Jan 09, 2019 9:10 pm
Forum: Investing - Help with Personal Investments
Topic: Sell stock fund in taxable account and use the proceeds to buy back a similar stock fund in a 401k?
Replies: 6
Views: 831

Re: Sell stock fund in taxable account and use the proceeds to buy back a similar stock fund in a 401k?

Looks like even if I had municipal bonds in taxable, I would still have to sell 32k worth of stocks in taxable to get back to a 80% stocks /20% bonds allocation, which means I’d still have to sell sticks during a downturn, as shown below. <snip> Portfolio A): Retirement assets before change: $300k ...
by Duckie
Wed Jan 09, 2019 8:52 pm
Forum: Investing - Help with Personal Investments
Topic: 403b choices
Replies: 2
Views: 306

Re: 403b choices

Currently, I have 60% of my contributions going into MIEAX and 40% going to FMDCX since they have the two lowest total operating expenses. Do those selections seem to be what most of you guys would do if you were offered these choices as well? Maybe, but certainly not at that ratio. MIEAX (MM S&P 5...
by Duckie
Wed Jan 09, 2019 8:01 pm
Forum: Personal Finance (Not Investing)
Topic: Turbotax -- deluxe or premier?
Replies: 8
Views: 709

Re: Turbotax -- deluxe or premier?

walletless wrote:Online version requires Premier (or higher) for 1099-B.

Desktop version requires Deluxe (or higher) for 1099-B.
Even the Basic desktop version covers 1099-B. It just doesn't include the state e-file.
by Duckie
Wed Jan 09, 2019 7:41 pm
Forum: Investing - Help with Personal Investments
Topic: Sell stock fund in taxable account and use the proceeds to buy back a similar stock fund in a 401k?
Replies: 6
Views: 831

Re: Sell stock fund in taxable account and use the proceeds to buy back a similar stock fund in a 401k?

How do I get back to my desired asset allocation now that I went from 80% stocks /20% bonds in portfolio A to 92% stocks/ 8% bonds in portfolio B? Remember I'd like to maintain the same number of stocks across the portfolio without having to sell until they recover. You have to decide what you want...
by Duckie
Wed Jan 09, 2019 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: Rollover - Best Route Forward
Replies: 2
Views: 169

Re: Rollover - Best Route Forward

I see my options as being the following: 1. Move my Solo 401k to Fidelity and have the Traditional IRA monies rolled into that plan (accepts rollovers). 2. Roll into my TDAmeritrade SDBA 401k account Go with TDAmeritrade. TDAmeritrade has a Roth option for its solo 401k. Fidelity does not. If you m...
by Duckie
Wed Jan 09, 2019 7:04 pm
Forum: Investing - Help with Personal Investments
Topic: (Mega) Backdoor Roth
Replies: 14
Views: 1022

Re: (Mega) Backdoor Roth

What do you think the best way to go about this is? For example, should I transfer the entire IRA balance to my work 401k, then periodically transfer a certain amount back to the IRA, convert it to Roth IRA, and then repeat the process? It's my understanding that IRA assets you roll to a 401k in mo...
by Duckie
Tue Jan 08, 2019 11:09 pm
Forum: Investing - Help with Personal Investments
Topic: (Mega) Backdoor Roth
Replies: 14
Views: 1022

Re: (Mega) Backdoor Roth

If I make non-deducible contributions to this account (the only kind I can make, since I participate in a retirement account at work and make over the threshold for deductible contributions), can I simply convert those contributions only to a Roth IRA (thereby completing a backdoor contribution to ...
by Duckie
Tue Jan 08, 2019 9:00 pm
Forum: Investing - Help with Personal Investments
Topic: rollovers and fund choices and new 401(k), oh my!
Replies: 4
Views: 191

Re: rollovers and fund choices and new 401(k), oh my!

Roth IRA at Vanguard 18% Vanguard Total Stock Market Index (VTSAX) (0.04) 8% Vanguard Total Bond Market (VBTLX) (0.05) In general it's better to put assets with higher expected growth (stocks) in Roth accounts and assets with lower expected growth (bonds) in pre-tax accounts. That's because you've ...
by Duckie
Mon Jan 07, 2019 5:47 pm
Forum: Investing - Help with Personal Investments
Topic: Move 401K to new employer or keep at old?
Replies: 16
Views: 1043

Re: Move 401K to new employer or keep at old?

I just changed changed jobs. Do I keep my nestegg at my old employer ($25/year) or move it? Move to the new Fidelity 401k. The best options are: VANG 500 INDEX 0.01% -- Large caps, 80% of US stocks VANG EXT MKT INDEX 0.04% -- Mid/small caps, 20% of US stocks VANG TOT INTL STK INDEX 0.07% -- Complet...
by Duckie
Sun Jan 06, 2019 10:30 pm
Forum: Investing - Theory, News & General
Topic: Embarrassed to ask... dividends and Total Return
Replies: 39
Views: 4698

Re: Embarrassed to ask... dividends and Total Return

how do reinvested dividends contribute to the overall Total Return of the fund? The NAV is reduced when the dividend is paid out, regardless of whether it is reinvested or spent. By choosing to reinvest you are buying more shares and next time the dividend will be higher (not always, things happen,...
by Duckie
Sun Jan 06, 2019 8:36 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Advice (New Member)
Replies: 13
Views: 777

Re: Portfolio Advice (New Member)

Maxed out 401k plans/year for wife and myself (18k each) It was $18.5K for 2018 and will be $19K for 2019. Will begin Backdoor Roth this year (just learned about it) for wife and myself (5500 each) You can each contribute $5.5K for 2018 until mid-April and $6K for 2019. Is my asset allocation too a...
by Duckie
Sat Jan 05, 2019 5:31 pm
Forum: Investing - Help with Personal Investments
Topic: advice on roth, backdoor roth, mega backdoor?
Replies: 7
Views: 482

Re: advice on roth, backdoor roth, mega backdoor?

My income is too high for me to qualify for a Roth the regular way. And I don't think I can (easily) pull off a backdoor Roth of the $6000 post-tax money variety because I have the 402K the VG rollover IRA listed above, and those additional IRA's at another brokerage. If your 401k allows incoming r...
by Duckie
Fri Jan 04, 2019 7:44 pm
Forum: Personal Finance (Not Investing)
Topic: 401k -> IRA rollover over Dec.31 and Pro-Rata rule
Replies: 3
Views: 238

Re: 401k -> IRA rollover over Dec.31 and Pro-Rata rule

He also did a backdoor Roth IRA contribution in 2018. Was it just the contribution or did he also convert in 2018? Will the rollover amount count as IRA money on form 8606 and lead to the $5500 of backdoor conversion be subject to pro rata rule? If he has received his end of year 2018 statement and...
by Duckie
Fri Jan 04, 2019 7:12 pm
Forum: Investing - Help with Personal Investments
Topic: Should I open a 403(b)?
Replies: 24
Views: 965

Re: Should I open a 403(b)?

Are you suggesting that I have all three: Roth IRA, 403(b) and 457(b)? If you can afford to contribute that much, yes. If your district has access to Fidelity and you have the plan options listed by F150HD above, then the best options for the 403b at Fidelity are: FSTVX (FSKAX) Fidelity Total Marke...
by Duckie
Thu Jan 03, 2019 7:59 pm
Forum: Investing - Help with Personal Investments
Topic: Help With Poor 401k Options
Replies: 8
Views: 477

Re: Help With Poor 401k Options

The choices are: (I had to look up each ticker in Google, my plan gave names only, so let me know if something doesn't make sense) The problem with looking things up in Google is that you get the retail rates, not your employer plan rates. They may be the same, but frequently aren't. Employer plans...
by Duckie
Thu Jan 03, 2019 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: New Boglehead Member - investment advice
Replies: 1
Views: 236

Re: New Boglehead Member - investment advice

Contrarianwanderer , welcome to the forum. 2019 savings plan Max 401K - $19k Max Backdoor Roth - $11k IRAs are now $6K per person. How does this look for a person of my age? Pretty good. Do you think it needs modification? If so, what would you suggest? Pay off student loans? More cash? First your ...
by Duckie
Thu Jan 03, 2019 7:03 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Rebalancing Strategy
Replies: 19
Views: 1198

Re: Portfolio Rebalancing Strategy

ThisJustIn wrote:I use 3-fund portfolio method in my accounts, and I rebalance my accounts every 6 months.
Do you mirror your accounts? Do you have all three funds in all of your accounts? Because bonds don't belong in taxable if you have room in tax-sheltered.
by Duckie
Thu Jan 03, 2019 6:11 pm
Forum: Investing - Help with Personal Investments
Topic: Steep Learning Curve! Simplifying and Allocating
Replies: 9
Views: 883

Re: Steep Learning Curve! Simplifying and Allocating

For bonds, FAUMX sounds good. It's FUAMX. (I assume that's a typo.) I called Fidelity to ask about ERs for the 403b plans. There are no discounts, so the published rates hold. I wasn't thinking of discounts. I was worried about additional costs. 403b plans are notorious for adding extra fees. You a...
by Duckie
Wed Jan 02, 2019 8:37 pm
Forum: Investing - Help with Personal Investments
Topic: Steep Learning Curve! Simplifying and Allocating
Replies: 9
Views: 883

Re: Steep Learning Curve! Simplifying and Allocating

There seem to be 24 Fidelity bond options in both of our 403bs (same employer) They include: SPHIX FAGIX FGHNX FCBFX FTBFX FBNDX FIPDX FNBGX FUMBX FUAMX FGOVX FSTGX FFXSX Here are the lower cost funds (these are retail rates, I don't know your plan rates): FCBFX -- Corporate Bond -- 0.45% FTBFX -- ...
by Duckie
Wed Jan 02, 2019 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Portfolio Tuneup
Replies: 4
Views: 382

Re: Portfolio Tuneup

What is your cost basis for these six assets? Does anything have a loss? Depending on the tax situation I would sell most of these. -$4,000.00 If there is a total loss for that account that means you can sell everything without taking a tax-hit. Is this a 401k or an IRA? Individual 401k. Well then ...
by Duckie
Wed Jan 02, 2019 7:24 pm
Forum: Investing - Help with Personal Investments
Topic: 401k Fund Selection and Allocation Help
Replies: 2
Views: 188

Re: 401k Fund Selection and Allocation Help

401k Available funds The least worst options are: MM S&P 500 Index (0.87%) -- Large caps, 80% of US stocks MM S&P Mid Cap Index (0.93%) -- Mid caps, 6% of US stocks MM Russell 2000 Small Cap Index (0.95%) -- Small caps, 14% of US stocks MM Msci Eafe Internatl Index (1.00%) -- Developed markets, 75%...