Opinions needed what would you do

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Opinions needed what would you do

Postby fiverus » Thu Apr 20, 2017 9:11 am


Currently my 401k looks like this 3 fund portfolio. Looking for opinions or suggestions if I should make any changes at this time. Since I am getting closer to retirement at age 59 I would like to know other ideas or suggestion for piece of mind. That's all.

VBTIX-Vangaurd Total bond Market Index I 40%
VINIX-Vanguard Institutional Index I 40%
VTAIX-Vanguard Total Int'l stock index admiral 20%

PIMCO Total Return Instl PTTRX
Vanguard Total Bond MarketI Index I VBTIX 40%
PIMCO Real Return Instl PRRIX
PIMCO High Yield Instl PHIYX
Vanguard Equity-Income Adm VEIRX
American Funds Fundamental Invs R6 RFNGX
Vanguard Institutional Index I VINIX 40%
JPMorgan Large Cap Growth R6 JLGMX
Lord Abbett Value Opportunities I LVOYX
Vanguard Mid Cap Index I VMCIX
Victory Integrity Small-Cap Value R6 MVSSX
Vanguard Small Cap Index I VSCIX
Franklin Small Cap Growth R6 FSMLX
Nuveen Real Estate Securities I FARCX
American Funds EuroPacific Gr R6 RERGX
Vanguard Total Intl Stock Index Admiral VTIAX 20%
Fidelity Emerging Markets FEMKX
T. Rowe Price Retirement Balanced TRRIX
T. Rowe Price Retirement2005 TRRFX
T. Rowe Price Retirement 2010 TRRAX
T. Rowe Price Retirement2015 TRRGX
T. Rowe Price Retirement 2020 TRRBX
T. Rowe Price Retirement 2025 TRRHX
T. Rowe Price Retirement 2030 TRRCX
T. Rowe Price Retirement 2035 TRRJX
T. Rowe Price Retirement 2040 TRRDX
T. Rowe Price Retirement 2045 TRRKX
T. Rowe Price Retirement 2050 TRRMX
T. Rowe Price Retirement 2055 TRRNX

Thank you

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Re: Opinions needed what would you do

Postby ruralavalon » Thu Apr 20, 2017 10:09 am

Is this your only account?

If so your fund selection and asset allocation at age 59 are reasonable in my opinion:
40%, Vanguard Institutional Index Fund (VINIX)
20%, Vanguard Total International Stock Index Fund Institutional (VBTIX)
40%, Vanguard Total Bond Market Index Fund Admiral Shares (VTIAX)

I have no suggestions and would not change a thing.

You have some nice funds offered in your 401k, you are very fortunate.
Last edited by ruralavalon on Thu Apr 20, 2017 10:15 am, edited 1 time in total.
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

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Re: Opinions needed what would you do

Postby random_walker_77 » Thu Apr 20, 2017 10:15 am

I second Ruralavalon's question and comment. It looks very reasonable

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Re: Opinions needed what would you do

Postby Jack FFR1846 » Thu Apr 20, 2017 10:17 am

Best portfolio I've seen that I can remember.
Bogle: Smart Beta is stupid

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Re: Opinions needed what would you do

Postby aristotelian » Thu Apr 20, 2017 10:34 am

+1, thumbs up. Simple portfolio, makes sense. Only reason to change would be personal preferences and tweaks which are largely irrational. If you like your allocation, keep it.

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Re: Opinions needed what would you do

Postby fiverus » Thu Apr 20, 2017 10:36 am

GREAT!! Thank you. Someone here suggested those funds a few months ago. I like to check from time to time others opinions.

And yes, I work for a good company, very fortunate.

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