Porfolio

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Tanise1980
Posts: 1
Joined: Sun Nov 15, 2020 7:20 pm

Porfolio

Post by Tanise1980 »

Emergency funds:$16,000
Debt: $39,000 Mortgage
Tax Filing Status: Married Filing Jointly with Dependent Children

Tax Rate: 12% Federal, 5% State

State of Residence: Oklahoma

Age:40

Desired Asset I would like more stocks than bonds
[formatting fixed by admin LadyGeek]

I would appreciate any input.

Rollover IRA at American Fund
25.89% American Funds AMCAP Fund Class A (AMPCX)(.66%)
20.82% Capital World Growth and Income Fund A (CWGIX) (.76%)
25.72% Fundamental Investor A (ANCFX) (.59%)
27.57% The Growth Fund of America- A (AGTHX)(0.65%)


401k
Roth at Fidelity (first year to attempt to fully fund)
100% Fidelity Blue Chip Growth (FBGRX) (.79%)


401k at Fidelity

29.42% Harbor Capp App Ret (HNACX)(0.64%)
26.79% MFS Mid Cap Growth CAP GRTH R6(OTCKX)(0.74%)
21.62% T.Rowe Price Retirement 1 2045 Fund 1 Class (TRPKX)(0.51%)
18.02% Janus Henderson Small Cap Value Fund Class N(JDSNX)(0.86%)
2.10% Fidelity Mid Cap Index Fund (FSMDX) (0.025%)
2.04% Fidelity 500 Index Fund FXAIX(0.015%)


401k available Funds at Fidelity

Harbor Capital Appreciation Fund Retirement Class (HNACX)(0.64%)
JPMorgan Small Cap Growth Fund Class R6 (JGSMX)(0.77%)
MFS Mid Cap Growth Fund Class R6 (OTCKX)(0.74%)
Fidelity® 500 Index Fund (FXAIX)(0.015%)
American Funds American Balanced Fund® Class R-6 (RLBGX)(0.26%)
Fidelity® Mid Cap Index Fund (FSMDX)(0.025%)
T. Rowe Price Retirement I 2050 Fund I Class (TRPMX)(0.52%)
T. Rowe Price Retirement I 2060 Fund I Class (TRPLX)(0.52%)
T. Rowe Price Retirement I 2045 Fund I Class (TRPKX)(0.51%)
T. Rowe Price Retirement I 2055 Fund I Class (TRPNX)(0.52%)
Driehaus Emerging Markets Growth Fund Investor Class (DREGX)(1.43%)
T. Rowe Price Retirement I 2040 Fund I Class (TRPDX)(0.51%)
T. Rowe Price Retirement I 2035 Fund I Class (TRPJX)(0.5%)
T. Rowe Price Retirement I 2030 Fund I Class (TRPCX)(0.49%)
T. Rowe Price Retirement I 2025 Fund I Class (TRPHX)(0.46%)
T. Rowe Price Retirement I 2020 Fund I Class (TRBRX)(0.42%)
T. Rowe Price Retirement I 2015 Fund I Class (TRFGX)(0.40%)
T. Rowe Price Retirement I 2010 Fund I Class (TRPAX)(0.37%)
PGIM Total Return Bond Fund -Class R6 (PTRQX)(0.41%)
T. Rowe Price Retirement I 2005 Fund I Class (TRPFX)(0.37%)
T. Rowe Price Retirement I 2020 Fund I Class (TRBRX)(0.42%)
T. Rowe Price Retirement I 2015 Fund I Class (TRFGX)(0.4%)
T. Rowe Price Retirement I 2010 Fund I Class (TRPAX)(0.37%)
PGIM Total Return Bond Fund -Class R6 (PTRQX)(0.41%)
T. Rowe Price Retirement I 2005 Fund I Class (TRPFX)(0.37%)
Fidelity® U.S. Bond Index Fund (FXNAX)(0.025%)
American Funds EuroPacific Growth Fund® Class R-6 (RERGX)(0.46%)
Principal Real Estate Securities Fund Class R-6 (PFRSX)(0.81%)
Vanguard Equity-Income Fund Admiral Shares (VEIRX)(0.18%)
Putnam Stable Value Fund 15 (0.28%)
Fidelity® Small Cap Index Fund (FSSNX) (0.026%)
Federated Hermes Govt Obl Premier (GOFXX)(0.29%)
T. Rowe Price Mid-Cap Value Fund I Class (TRMIX)(0.65%)
Fidelity® Total International Index Fund (FTIHX)(0.06%
Janus Henderson Small Cap Value Fund Class N (JDSNX)(0.86%)
ivgrivchuck
Posts: 272
Joined: Sun Sep 27, 2020 6:20 pm

Re: Porfolio

Post by ivgrivchuck »

The Boglehead philosophy is to invest in passive low cost index funds. You have way too many funds and their expensive ratios are way too high. Even though you have many good low cost index funds available.

For example in your 401k:
Fidelity® 500 Index Fund (FXAIX)(0.015%)
Fidelity® Total International Index Fund (FTIHX)(0.06%)
Fidelity® U.S. Bond Index Fund (FXNAX)(0.025%)

I recommend that you read https://www.bogleheads.org/wiki/Three-fund_portfolio and then start planning on how to simplify your portfolio and how to move to low cost passive index funds.
44% VTI | 36% VXUS | 10% I-bonds | 10% EE-bonds
HomeStretch
Posts: 5125
Joined: Thu Dec 27, 2018 3:06 pm

Re: Porfolio

Post by HomeStretch »

Welcome to the forum!

Your current asset allocation looks to be almost all equity. Consider an asset allocation with more fixed income - perhaps 80-20 (equity/fixed income).

You have many high-fee funds. For every $100k in your portfolio, you are paying about $600/year more to hold these funds rather than fewer low-cost diversified funds.

Consider moving your IRA from American Funds to Fidelity for simplicity and to utilize lower cost funds.
Doctor Rhythm
Posts: 474
Joined: Mon Jan 22, 2018 3:55 am

Re: Porfolio

Post by Doctor Rhythm »

I agree with the prior two replies. Also, are you paying a load (sales commission) on the Class A funds you hold in your American Funds IRA? In this day and age, there is almost no justification for paying a load. In fact, if you’re screening a huge list of fund choices, one of the first steps is to eliminate any funds that charge a load. A brokerage that doesn’t provide good No-Load funds should be avoided.

For your Fidelity 401, I’d go with the 3 funds that IVGRIVCHUCK recommended above. I actually own two of them myself in retirement accounts.
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