We deposited my wife's IRA check into her 401k today. You have to initiate a new rollover in NetBenefits and if you say you have a check you can mobile deposit it. Pretty nice. Now to figure out the funds.
One idea using portfoliovisualizer is:
60% FXAIX S&P 500 Index .015
10% PSSIX Small Cap 0.22
15% FSGDX International Index 0.06
15% FIKFX Income/bond thing 0.17
Average ER is 0.066
My AA would be:
72% US stock
16% Intl stock
7% US bonds
And the US equities would be:
80% large cap
10% med cap
10% small cap
Seem reasonable? She basically has two big retirement accounts, the 401k and a Roth IRA about 50/50. I know i could span the AA across the two accounts more effectively... I'd want to pour equities into the Roth IRA first and then overflow the rest into the 401k, right? Are bond options in this 401k suitable? What about International equities?
Then i read this: https://thefinancebuff.com/stocks-or-bonds-in-roth.html
Which i don't fully understand (Myth #1), but basically it says to just AA with tax being accounted for in the 401k and otherwise it doesn't matter. So in that case maybe i should stick to the low ER S&P 500 Index in the 401k since the other options aren't super low ER. Her Roth IRA is at Vanguard and has lots of great options.
This is an exciting year and its starting to come together. Thanks again, all.