I really need help

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MaxxB
Posts: 4
Joined: Wed Oct 03, 2018 9:50 pm

I really need help

Post by MaxxB » Sun Oct 07, 2018 8:15 pm

Hi guys,

So hopefully I have done this correct now. I can't figure out how to add a table to the post, I could highlight all my options with Fidelity in my 401K otherwise here is the current picture. Thanks in advance

Emergency funds: Yes I have an emergency fund
Debt: I have a mortgage for $476,000 at 4.75%, 30 year fixed (year 2) paying $2800 a month
No credit card or student loan or car payment debt
Tax Filing Status: (Single, with Dependent son 3 years old)
Tax Rate: xx% Federal, xx% State I live in Australia at the moment but from California was paying
State of Residence: California and will continue to file going forward
Age:37

I was thinking like 40/30/20/10
10% in individual stocks
20% bonds
30% international
40% US
I have to be a bit more aggressive but still safe with my investments.

I will be making about $154,000 USD (when I move)

Current retirement assets – Everything is currently sitting in Fidelity

Taxable
$100,0000 cash (for investing – does not include emergency funds)


Ex company 1 - 401k $11,172.43
TDKD EQUITY INDEX FUND 1577.764 (.04%)
TDKF SM MIDCAP CORE INDEX 397.986 (0.06%)
TDKK MONEY MARKET FUND 842.68 (0.13%)
TDKL BOND FUND 568.471 (0.17%)
TDKU PMP 2045 FUND 314.154 (0.35%)
TF3J US LARGE CAP EQUITY 176.372 (0.27%)
TF3K US SMALL/MID CAP EQ 1318.233 (0.47%)

Ex-company 2 – 401k $176,963.77
31617E877 MIP CL 2 18010.85 (0.57%)
APHMX ARTISAN MID CAP INST 374.254 (0.95%)
CSRIX C&S INST REALTY SHS 212.136 (0.77%)
FCNKX FID CONTRAFUND K 1282.389 (0.65%)
FLMVX JPM MIDCAP VALUE L 215.744 (0.86%)
FSEVX FID EXT MKT IDX PR 264.249 (0.045%)
FSNZX FID FREEDOM 2045 K 1469.202 (0.65)
FXSIX FID 500 INDEX INST 176.297 (0.015%)
MLRSX MNSTY LG CAP GRTH R6 2983.756 (0.63%)
VMFXX.Q VANG VMMR-FED MMKT 18012.86 (0.11%)



Stocks I own value $184,000
AABA ALTABA INC COM
AAPL APPLE INC
ABMD ABIOMED INC
AMGN AMGEN INC
AMZN AMAZON.COM INC
APPN APPIAN CORP CL A
APTV APTIV PLC COM USD0.01 ISIN #JE00B783TY65 SEDOL #B783TY6
BA BOEING CO
BABA ALIBABA GROUP HLDG LTD SPONSORED ADS
BIDU BAIDU INC SPONS ADR REPR 0.10 ORD CLS A
BKNG BOOKING HLDGS INC COM
BLUE BLUEBIRD BIO INC COM
BPTRX BARON PARTNERS FUND
BZUN BAOZUN INC ADR EACH REPR 3 ORD CL A SPONS
CAT CATERPILLAR INC
CMI CUMMINS INC
CRM SALESFORCE COM INC
CTSH COGNIZANT TECH SOLUTIONS CORP
CVI CVR ENERGY INC COM USD0.01
DATA TABLEAU SOFTWARE INC COM USD0.0001
DE DEERE & COMPANY
DLPH DELPHI TECHNOLOGIES PLC COM USD0.01
EOG EOG RESOURCES INC
EW EDWARDS LIFESCIENCES CORP
EXP EAGLE MATERIALS INC
GABAX GABELLI ASSET FUND AAA
GILD GILEAD SCIENCES INC
GOOG ALPHABET INC CAP STK CL C
GOOGL ALPHABET INC CAP STK CL A
HAL HALLIBURTON CO HOLDING CO FRMLY HALLIBURTON CO
HP HELMERICH &PAYNE INC COM
ICE INTERCONTINENTAL EXCHANGE INC COM USD0.01
IQ IQIYI INC SPON EACH ADS REP 7 ORD SHS CLASS A
JD JD COM INC SPONSORED ADR REPSTG COM CL A
JNJ JOHNSON & JOHNSON
KO COCA COLA CO
LAMR LAMAR ADVERTISING CO COM USD0.001 CL A
LB L BRANDS INC COM
LMT LOCKHEED MARTIN CORP
LSBRX LOOMIS SAYLES BOND RETAIL SHARES
MA MASTERCARD INCORPORATED CL A
MAR MARRIOTT INTL INC CL A
MPC MARATHON PETROLEUM CORP COM USD0.01
MYL MYLAN NV
NOC NORTHROP GRUMMAN CORP HOLDING CO
NVDA NVIDIA CORP
OKTA OKTA INC CL A
ON ON SEMICONDUCTOR CRP
PANW PALO ALTO NETWORKS INC COM USD0.0001
PHM PULTEGROUP INC FORMERLY PULTE CORP TO 05/17/2001
PM PHILIP MORRIS INTL INC COM
PVH PVH CORP COM
PXD PIONEER NATURAL RESOURCES CO
PYPL PAYPAL HLDGS INC COM
SBUX STARBUCKS CORP COM USD0.001
SHOP SHOPIFY INC COM NPV CL A ISIN #CA82509L1076 SEDOL #BX865C7
SPG SIMON PPTY GRP INC
SPY SPDR S&P 500 ETF TRUST UNIT SER 1 S&P
TJX TJX COS INC NEW COM
TMUS T MOBILE US INC COM
TOL TOLL BROTHERS INC COM
TSLA TESLA INC COM
TWLO TWILIO INC CL A
TWTR TWITTER INC COM USD0.000005
UA UNDER ARMOUR INC CL C
UAA UNDER ARMOUR INC COM STK USD0.000333 CLASS A
UPS UNITED PARCEL SVC INC CL B
V VISA INC COM CL A
VMC VULCAN MATERIALS CO
WIX WIX.COM LTD COM ILS0.01
ZAGG ZAGG INC

Contributions

New annual Contributions
$0 – I haven’t contributed since will be going overseas for a while.
Australia has its own retirement plan

Questions:
1. While I am living in Australia should I open a Roth IRA and contribute going forward out of pocket and where should I open the Roth?
2.What should I do with my two 401K from previous employer? Rollover to Vanguard or keep in Fidelity but another plan since my current 401ks don't have much options.
3. I have $100,000 to either invest or purchase another property (US or Australia I am open)
4. I am thinking of starting some fund for my son and would like some guidance where to put this ( I was reading some other post and thought this would be great for him, since I am starting so late in my life to pay attention to my finance)
5. I know I am stock heavy and selling them will create a tax penalty I haven’t considered - so guidance would be good

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