Longtime lurker, first-time poster here. I'm seeking some advice on my 401k allocation.
I'm aiming for 85-90% in equities and 10-15% in bonds.
How would bogleheads choose among the following options, if this 401K were your only investment vehicle? I'm agnostic on how much foreign stock to hold. Is JP Morgan Growth a good target date fund? Any help would be greatly appreciated.
Bond
Columbia Strategic Income (Gross Expense Ratio: 1.05%)
Pimco Total Return (GER: .71%)
American Funds Amer H/I (GER: 1.02%)
Eaton Vance Floating Rate (GER: 1.01%)
American Cent Inflation Adj (GER: .28%)
Cash Stable Value
Federate Prime Obligations Mm (GER: .53%)
International
American Funds Europacific (GER: 1.13%)
Large Cap
Mainstay Large Cap R2 (GER: 1.17%)
Fidelity Spartan 500 Index (GER: .10%)
Dodge & Cox Stock (GER: .52%)
Blackrock Equity Dividend (GER: 1.02%)
Mid Cap
Goldman Sachs Mid Cap Value (GER: 1.26%)
Munder Mid-Cap Core Growth (GER: 1.33%)
Small Cap
Allianz Nfj Small-Cap Value Fd (GER: 1.21%)
Buffalo Small Cap (GER: 1.01%)
Specialty
Virtus Real Estate Securities (GER: 1.46%)
Target Allocation
Jpm Smartretirement 2010 (GER: .91%)
Jpm Smartretirement 2020 (GER: .99%)
Jpm Smartretirement 2030 (GER: 1.08%)
Jpm Smartretirement 2040 (GER: 1.12%)
Jpm Smartretirement 2050 (GER: 1.17%)
401k Help
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Re: 401k Help
How old are you?
debt?
Ira,tax rate and EF?
Best wishes
John
debt?
Ira,tax rate and EF?
Best wishes
John
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- Posts: 43
- Joined: Wed Jul 04, 2012 9:24 pm
Re: 401k Help
Thanks for the reply. I am 35, married, with one child and another on the way.
25% bracket.
Emergency savings: 100,000 in ING account at .9%
My Roth IRA: 50,000 (100% in Vanguard Target Date 2040)
Her Rotha IRA: 35,000 (100% in Vanguard Target Date 2040)
My Rollover 401k: 40,000 (100& in Vanguard Target Date 2040)
Taxable account: 16,000 (100% in Vanguard 500 Index)
25% bracket.
Emergency savings: 100,000 in ING account at .9%
My Roth IRA: 50,000 (100% in Vanguard Target Date 2040)
Her Rotha IRA: 35,000 (100% in Vanguard Target Date 2040)
My Rollover 401k: 40,000 (100& in Vanguard Target Date 2040)
Taxable account: 16,000 (100% in Vanguard 500 Index)
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- Joined: Wed Jul 04, 2012 9:24 pm
Re: 401k Help
Debt: 165,000 on house at 3.0% (5/1 ARM)
No other debt.
No other debt.
Re: 401k Help
MattInCali, if the 401k were the only investment vehicle, then I would use Fidelity Spartan 500 Index (0.10%) for US stocks, and either PIMCO Total Return (0.71%) or American Century Inflation Adj (0.28%) for bonds. I would skip the rest.
However, judging by the later post, since it's not the only investment vehicle, I would choose only Fidelity Spartan 500 Index (0.10%) and use the other accounts to fill in the missing mid/small caps, international, and bonds.
As for the target date funds, they're expensive and complicated. See here for an example.
However, judging by the later post, since it's not the only investment vehicle, I would choose only Fidelity Spartan 500 Index (0.10%) and use the other accounts to fill in the missing mid/small caps, international, and bonds.
As for the target date funds, they're expensive and complicated. See here for an example.
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- Joined: Fri May 13, 2011 6:27 pm
Re: 401k Help
As Duckie said best funds in 401 are 500 index,Pimco and American century inflation
taxable is OK (500 index)
Ira: international, extended market index
15% bonds 20 international 15% extended 50% 500 index
I would really consider more bonds
Good luck
John
Edit,maybe consider I bonds for some EF
taxable is OK (500 index)
Ira: international, extended market index
15% bonds 20 international 15% extended 50% 500 index
I would really consider more bonds
Good luck
John
Edit,maybe consider I bonds for some EF