**Emergency funds:**1 year (living frugally)

**Debt:**$0

**Tax Filing Status:**Single (soon to be married)

**Tax Rate:**28% Federal, 0% State

**State of Residence:**SD

**Age:**29

**Desired Asset allocation:**90% stocks / 10% bonds

**Desired International allocation:**30-40%

**Current retirement assets:**~$175,000

**Taxable**

17% cash ING savings account

8% Amcap Fund CL A (AMCPX) (3.50% frt ld) (0.73% exp ratio)

5% American Balanced Fund CL A (ABALX) (3.50% frt ld) (0.62% exp ratio)

8% American Mutual Fund CL A (AMRMX) (3.50% frt ld) (0.62% exp ratio)

7.5% Capital Income Builder Fund CL A (CAIBX) (3.50% frt ld) (0.61% exp ratio)

7% Capital World Growth & Income Fund CL A (CWGIX) (3.50% frt ld) (0.79% exp ratio)

8% Fundamental Investors Fund CL A (ANCFX) (3.50% frt ld) (0.63% exp ratio)

8% Growth Fund of America CL A (AGTHX) (3.50% frt ld) (0.68% exp ratio)

7% Income Fund of America CL A (AMECX) (3.50% frt ld) (0.58% exp ratio)

4% Investment Company of America Fund CL A (AIVSX) (3.50% frt ld) (0.61% exp ratio)

8% New Perspective Fund CL A (ANWPX) (3.50% frt ld) (0.77% exp ratio)

3% New World Fund CL A (NEWFX) (3.50% frt ld) (1.02% exp ratio)

**401(k)**– 4% company match

3% Delaware Select Growth R (DFSRX) (1.60% exp ratio)

0.5% Dws Rreef Real Estate Securities Fund R (RRRSX) (1.24% exp ratio)

**Rollover IRA at Edward Jones**

1.5% American Mutual Fund CL A (AMRMX) (3.50% frt ld) (0.62% exp ratio)

1.5% Capital Income Builder Fund CL A (CAIBX) (3.50% frt ld) (0.61% exp ratio)

1.5% Capital World Growth & Income Fund CL A (CWGIX) (3.50% frt ld) (0.79% exp ratio)

1.5% New Perspective Fund CL A (ANWPX) (3.50% frt ld) (0.77% exp ratio)

**Contributions**

**New annual Contributions**

$5500 401k ($4400 employee match)

$30-40K taxable

**Available funds**

**Funds available in 401(k)**

Alger Mid Cap Growth Institutional R (AGIRX) (1.74% exp ratio)

American Funds Capital World Bond R1 (RCWAX) (1.66% exp ratio)

American Funds Capital World Growth & Income R1 (RWIAX) (1.56% exp ratio)

American Funds Fundamental Investors R1 (RFNAX) (1.43% exp ratio)

American Funds Money Market R3 (RACXX) (0.50% exp ratio)

American Funds New World R1 (RNWAX) (1.82% exp ratio)

American Funds New Economy R1 (RNGAX) (1.61% exp ratio)

Columbia Marsico Growth R (CMWRX) (1.50% exp ratio)

Delaware Select Growth R (DRSRX) (1.60% exp ratio)

Dws Rreef Real Estate Securities R (RRRSX) (1.24% exp ratio)

Federated Kaufmann R (KAUFX) (1.96% exp ratio)

Franklin Templeton 2015 Retirement Target A (FTRAX) (5.75% frt ld) (1.13% exp ratio)

Franklin Templeton 2025 Retirement Target R (FTTRT) (1.38% exp ratio)

Franklin Templeton 2035 Retirement Target R (FTART) (1.41% exp ratio)

Franklin Templeton 2045 Retirement Target R (FTDRT) (1.41% exp ratio)

Franklin Templeton Conservative Allocation R (FTCRX) (1.35% exp ratio)

Franklin Templeton Growth Allocation R (FGTRX) (1.49% exp ratio)

Franklin Templeton Moderate Allocation R (FTMRX) (1.42% exp ratio)

Goldman Sachs High Quality Floating Rate A (GSAMX) (1.50% frt ld) (0.74% exp ratio)

Goldman Sachs High Quality Floating Rate Ir (GTATX) (0.49% exp ratio)

Goldman Sachs Mid Cap Value R (GCMRX) (1.41% exp ratio)

Hartford Capital Appreciation R3 (ITHRX) (1.40% exp ratio)

Lord Abbet Total Return R2 (LTRQX) (1.23% exp ratio)

Mfs Value R1 (MEIGX) (1.69% exp ratio)

**Questions:**

1. My main concern is what I should do regarding my American Funds portfolio. After reading up on front load funds, I no longer contribute to these. I’ve just been building cash until I decide which direction to go from here. Should I hold onto my American Funds investments and just put future contributions elsewhere, or should I liquidate them all in search of cheaper funds? Now that the front load is a sunk cost, I’m thinking they may be worth holding onto. They seem to perform well, and if I bail, I’d be looking at having to pay capital gains. Is the cheaper expense ratio of Vanguard funds worth cashing out my AF funds?

2. When it comes to AA, should I go to a “three-fund portfolio” philosophy? Do I need to get into the specific categories of funds or just focus on diversified index funds?

3. Is it possible to transfer my American Funds to Vanguard? Or would I have to liquidate everything and move the cash?

I appreciate any and all comments. Thanks in advance for helping me out.

Christopher