401k Reallocation

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wstalcup
Posts: 57
Joined: Mon Sep 18, 2017 1:40 pm

401k Reallocation

Post by wstalcup » Thu Oct 12, 2017 11:46 am

Hi,
currently my 401k has been 100% allocated to "Vanguard Institutional 500 Index Trust"

what would be your advice to reallocate to:
My available choices are listed below, 20 years to retirement, and lets just assume I have no other investment assets. Thanking in advance!

Vanguard Federal Money Market Fund VMFXX / 0033
Vanguard FTSE All-World ex-US Index Fund Institutional Plus Shares VFWPX / 1866
Vanguard Institutional Total Bond Market Index Trust — / 5797
Vanguard Institutional Extended Market Index Trust — / 5798
Vanguard International Growth Fund Admiral Shares VWILX / 0581
Vanguard PRIMECAP Fund Admiral Shares VPMAX / 0559
Vanguard Short-Term Bond Index Fund Institutional Plus VBIPX / 0733
Vanguard Target Retirement Income Trust Select — / 1686
Vanguard Target Retirement 2015 Trust Select — / 1675
Vanguard Target Retirement 2020 Trust Select — / 1676
Vanguard Target Retirement 2025 Trust Select — / 1677
Vanguard Target Retirement 2030 Trust Select — / 1678
Vanguard Target Retirement 2035 Trust Select — / 1679
Vanguard Target Retirement 2040 Trust Select — / 1680
Vanguard Target Retirement 2045 Trust Select — / 1681
Vanguard Target Retirement 2050 Trust Select — / 1682
Vanguard Target Retirement 2055 Trust Select — / 1683
Vanguard Target Retirement 2060 Trust Select — / 1685
Vanguard Target Retirement 2065 Trust Select
Dodge & Cox Stock Fund DODGX / 0388
DFA Emerging Markets Core Equity Portfolio Institutional Class DFCEX / A045
Longleaf Partners Small-Cap Fund LLSCX / 1061
Loomis Sayles Core Plus Fixed Income Trust; Class D — / 6339
T. Rowe Price Institutional Mid-Cap Equity Growth Fund PMEGX / 0906
T. Rowe Price U.S. Mid Cap-Value Equity Trust; D Class — / 3910
Wellington Trust TIPS Portfolio — / 3247
Wellington Trust Small Cap 2000 Portfolio
Best investment advice: "Invest in your education" -Bill Gates

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Tyler Aspect
Posts: 552
Joined: Mon Mar 20, 2017 10:27 pm
Location: California
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Re: 401k Reallocation

Post by Tyler Aspect » Thu Oct 12, 2017 12:45 pm

wstalcup wrote:
Thu Oct 12, 2017 11:46 am
Hi,
currently my 401k has been 100% allocated to "Vanguard Institutional 500 Index Trust"

what would be your advice to reallocate to:
My available choices are listed below, 20 years to retirement, and lets just assume I have no other investment assets. Thanking in advance!
I assume the 500 index choice is still available.

50% Vanguard Institutional 500 Index Trust"
20% Vanguard FTSE All-World ex-US Index Fund Institutional Plus Shares
30% Vanguard Institutional Total Bond Market Index Trust
Past result does not predict future performance. Mentioned investments may lose money. Contents are presented "AS IS" and any implied suitability for a particular purpose are disclaimed.

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ruralavalon
Posts: 11892
Joined: Sat Feb 02, 2008 10:29 am
Location: Illinois

Re: 401k Reallocation

Post by ruralavalon » Thu Oct 12, 2017 12:57 pm

wstalcup wrote:
Thu Oct 12, 2017 11:46 am
what would be your advice to reallocate to:
My available choices are listed below, 20 years to retirement, and lets just assume I have no other investment assets. Thanking in advance!
" . . . let's just assume . . ."????

Is that assumption accurate?

Even if accurate, that's not a lot of information to use for fund selection selection and asset allocation. I will just go with the proposition that an asset allocation of 60/40 can be suitable for nearly any situation.

Here is one possibility:
45%, Vanguard Institutional 500 Index Trust
15%, Vanguard FTSE All-World ex-US Index Fund Institutional Plus Shares
40%, Vanguard Institutional Total Bond Market Index Trust
"Everything should be as simple as it is, but not simpler." - Albert Einstein | Wiki article link:Getting Started

wstalcup
Posts: 57
Joined: Mon Sep 18, 2017 1:40 pm

Re: 401k Reallocation

Post by wstalcup » Thu Oct 12, 2017 1:02 pm

2 votes for
Vanguard Institutional 500 Index Trust
Vanguard FTSE All-World ex-US Index Fund Institutional Plus Shares
Vanguard Institutional Total Bond Market Index Trust

with similar percentages.. sounds good enough for me!
Thank you!
Best investment advice: "Invest in your education" -Bill Gates

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