Advice on what funds to put my 401k and DC plan in

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Topic Author
BugsBunny
Posts: 6
Joined: Tue Oct 13, 2020 11:03 pm

Advice on what funds to put my 401k and DC plan in

Post by BugsBunny »

Hi guys! I wanted to see if the funds I'm putting to my retirement at work is appropriate or if you think I should redistribute where I'm putting my money. I max out both my Roth 401k (no match) and DC plan (Keough) every year. I'm 42 yrs old, originally figured I would retire at 65yo, but now wondering if I can retire earlier (like 58-60yo?; not sure if that's possible). The way it is currently allocated was recommended by my advisor years ago. I apologize in advance if the way this is laid out is totally confusing. Please let me know if any other information is needed or if the way I listed everything makes absolutely no sense. :?
Nik

Current 401K Investments
NAME SYMBOL MARKET VALUE QUANTITY PRICE % OF ACCOUNT
Vanguard Target Retire 2045 Trust Select VTR45S $36,078.83 793.639 $45.46 10.85%
Vanguard Value Index I VIVIX $23,894.81 567.034 $42.14 7.19%
Vanguard PRIMECAP Adm VPMAX $96,575.28 633.239 $152.51 29.04%
Vanguard Small Cap Index InstlPlus VSCPX $25,296.49 110.162 $229.63 7.61%
Vanguard Mid-Cap Value Index Admiral VMVAX $10,607.19 191.777 $55.31 3.19%
Vanguard International Growth Adm VWILX $42,149.80 301.436 $139.83 12.68%
T Rowe Price Intl Small Cap Trust Cl A TRSCA $45,025.66 2,036.439 $22.11 13.54%
Vanguard Total Bond Market Idx InstlPls VBMPX $52,890.26 4,555.578 $11.61 15.91%
Stable Income Fund
MET32783 $0.18 0.18 $1.00 0%

Roth 401k Investment Options
Asset Allocation
(Ticker-Name-Expense Ratio)(what % of the money contributed goes to this fund)
VTR15S - Vanguard Target Retire 2015 Trust Select- 0.05
VTR20S - Vanguard Target Retire 2020 Trust Select- 0.05
VTR25S - Vanguard Target Retire 2025 Trust Select- 0.05
VTR30S - Vanguard Target Retire 2030 Trust Select- 0.05
VTR35S - Vanguard Target Retire 2035 Trust Select- 0.05
VTR40S - Vanguard Target Retire 2040 Trust Select- 0.05
VTR45S - Vanguard Target Retire 2045 Trust Select- 0.05
VTR50S - Vanguard Target Retire 2050 Trust Select- 0.05
VTR55S - Vanguard Target Retire 2055 Trust Select- 0.05
VTR60S - Vanguard Target Retire 2060 Trust Select- 0.05
VTRIS - Vanguard Target Retire Inc Trust Select- 0.05

Stocks
Large Company
VFTNX - Vanguard FTSE Social Index I 0.12
VITPX - Vanguard Instl Ttl Stk Mkt Idx InstlPls 0.02
VPMAX - Vanguard PRIMECAP Adm 0.31 (25%)
VWUAX - Vanguard US Growth Admiral 0.28
VIVIX - Vanguard Value Index I 0.04 (15%)

Small/Mid Co.
VMVAX - Vanguard Mid-Cap Value Index Admiral 0.07 (10%)
VSCPX - Vanguard Small Cap Index InstlPlus 0.03 (10%)

Intl/Global
RWIGX - American Funds Capital World Gr&Inc R6 0.42
TRSCA - T Rowe Price Intl Small Cap Trust Cl A 1 (10%)
VWILX - Vanguard International Growth Adm 0.32 (10%)

Balanced
VWENX - Vanguard Wellington Admiral 0.17

Bonds
VBMPX - Vanguard Total Bond Market Idx InstlPls 0.03 (20%)

Capital Preservation
MET32783 - Stable Income Fund 0.29
============================
Current Keough Investment
NAME SYMBOL ELECTION MARKET VALUE QUANTITY PRICE % OF ACCOUNT
Vanguard Target Retire 2045 Trust Select VTR45S 100% $423,708.57 9,320.470 $45.46 100%

Defined Contribution plan options (Keough)
Asset Allocation
(Ticker-Name-Expense Ratio)
VTR15S - Vanguard Target Retire 2015 Trust Select- 0.05
VTR20S - Vanguard Target Retire 2020 Trust Select- 0.05
VTR25S - Vanguard Target Retire 2025 Trust Select- 0.05
VTR30S - Vanguard Target Retire 2030 Trust Select- 0.05
VTR35S - Vanguard Target Retire 2035 Trust Select- 0.05
VTR40S - Vanguard Target Retire 2040 Trust Select- 0.05
VTR45S - Vanguard Target Retire 2045 Trust Select- 0.05 (100%)
VTR50S - Vanguard Target Retire 2050 Trust Select- 0.05
VTR55S - Vanguard Target Retire 2055 Trust Select- 0.05
VTR60S - Vanguard Target Retire 2060 Trust Select- 0.05
VTRIS - Vanguard Target Retire Inc Trust Select- 0.05

Stocks
Large Company
(Ticker-Name-Expense Ratio)
USEQF - BTC US Equity Market Index Fund
DFQTX - DFA US Core Equity 2 I- 0.2
190J - Janus Forty Concentrated Growth Fund- 0.49
VHCAX - Vanguard Capital Opportunity Adm- 0.37
VFTNX - Vanguard FTSE Social Index I- 0.12

Small/Mid Co.
180J - Boston Partners Small Mid-Cap Value Fund- ?
VSCPX - Vanguard Small Cap Index InstlPlus- 0.03
WNAT2SC - Wellington CIF II Small Cap Opportunities 0.86

Intl/Global
RWIGX - American Funds Capital World Gr&Inc R6 0.42
DODFX - Dodge & Cox International Stock 0.63
191J - Fidelity International Small Cap 0.8

Balanced
VWENX - Vanguard Wellington Admiral 0.17

Bonds
180D - Mellon Fixed Income Fund ?

Capital Preservation
180C - Interest Income Fund ?
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David Jay
Posts: 9358
Joined: Mon Mar 30, 2015 5:54 am
Location: Michigan

Re: Advice on what funds to put my 401k and DC plan in

Post by David Jay »

Let me start with the basics - Target Retirement funds are "all-in-one", diversified funds which follow a risk "glideslope", higher risk when you are younger and lower risk as you approach retirement. There would be nothing wrong with putting 100% of both accounts into a Target Retirement fund. A regular here on BH has a signature line that reads: "If you have to ask if a Target Date fund is right for you, it is."

If you hold Target Retirement, you do not need to hold other funds. If you hold other funds in a diversified manner, you do not need to hold a Target Retirement fund. So I would either dump the TR funds or simplify to just the TR fund, one way or the other.
Prediction is very difficult, especially about the future - Niels Bohr | To get the "risk premium", you really do have to take the risk - nisiprius
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