Need help with portfolio, template included

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Topic Author
AnneMiller1980
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Joined: Sun Jun 24, 2018 8:26 am

Need help with portfolio, template included

Post by AnneMiller1980 » Sun Jun 24, 2018 8:46 am

Updated Post!!! New questions at bottom re: my ROTH IRA

Emergency funds: 3-6 months+ additional savings in Money market Account

Debt: debt free!

Tax Filing Status: single, Head of Household, 2 dependents, but I claim 1 and my bf claims the other

Tax Rate: unsure about this one

State of Residence: MA

Age: 38

Income: $50,000 before taxes


Desired Asset allocation:62% stocks / 38% bonds (my age)

Desired International allocation: unsure


Current retirement assets Workplace Fidelity 401K, Roth IRA.


Size of the portfolio: $161,208


Breakdown within each asset class: xx% large caps, xx% mid caps, ..., xx% bonds, xx% cash, etc. ((optional))

(Most people probably will not want to do this. If you are not sure what this means, please disregard.)


Taxable

xx% cash (for investing – do not include emergency funds)

xx% fund name (ticker symbol) (expense ratio=x.xx%)

xx% stock company name (ticker symbol)



Her 403B: NONE

Her 401k $148,371 This is my current company. They match 60% of the first 4% contributions and do one annual “core” contribution. I contribute 4%

VMCIX VANG MIDCAP IDX INST
VINIX VANGUARD INST INDEX
VSCIX VANG SM CAP IDX INST
VBTIX VANG TOT BD MKT INST
VTSNX VANG TOT INTL STK IS

ROTH IRA 12,836

Fidelity Freedom Index 2045 (GER 0.19%)



New annual Contributions

$xx his 401k (also specify any employer matching contributions)

$xx her 403b (also specify any employer matching contributions)

$xx his IRA/Roth IRA

$xx her IRA/Roth IRA

$xx taxable (for retirement, not short term goals)


Available funds


Funds available in my current 401(k)

Funds available in her 403(b)

Fund name (ticker symbol) (expense ratio)

Fund name (ticker symbol) (expense ratio)

Fund name (ticker symbol) (expense ratio)


Questions:

My main question is: I'm not sure what to do with my ROTH IRA. I don't love the idea of being in a retirement year Fund, but not sure what to change it to. Any suggestions or how to make considerations on this matter??
Last edited by AnneMiller1980 on Sun Dec 30, 2018 9:09 am, edited 5 times in total.

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Sandtrap
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Re: Need help with portfolio, template included

Post by Sandtrap » Sun Jun 24, 2018 9:12 am

Welcome.
Great job on gathering data.

A bit confusing.
It would help reviewers if you edit your original post (use pencil icon) in the following format.

Asking Portfolio Questions
https://www.bogleheads.org/forum/viewt ... =1&t=6212
For "percentages", use the percentage of the entire portfolio vs percentage of an account.
What is HOH?
401 and 403 and Roth (enter expense ratios)

Here's some data on funding order and placement.
Funding Priority (what do I do first?)
https://www.bogleheads.org/wiki/Priori ... vestments
Tax Efficient Fund Placement
https://www.bogleheads.org/wiki/Tax-ef ... _placement
Asset allocation in multiple accounts
https://www.bogleheads.org/wiki/Asset ... accounts

Consider moving to low cost Vanguard funds available to you to cut expense ratios.
IE: (on your list) TOTAL BOND, LARGE/MID/SMALL CAP, and INTERNATIONAL. ETC. (sub 0.1 expense ratios).

mahalo
j
Wiki Bogleheads Wiki: Everything You Need to Know

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Duckie
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Re: Need help with portfolio, template included

Post by Duckie » Sun Jun 24, 2018 3:28 pm

AnneMiller1980 wrote:I need advice on which funds to invest in for my current 401K which I JUST started contributing for.
In your current 401k the best options are:
  • VANGUARD INST INDEX (VINIX) 0.035% -- Large caps, 80% of US stocks
  • VANGUARD MIDCAP IDX INST (VMCIX) 0.04% -- Mid caps, 6% of US stocks
  • VANG SM CAP IDX INST (VSCIX) 0.04% -- Small caps, 14% of US stocks
  • VAN TOT INTL STK IS (VTSNX) 0.09% -- Complete international stocks
  • VANG TOT BD MKT INST (VBTIX) 0.04% -- US bonds
I’m also wondering about my 403b from my last company and whether or not I should roll that into a traditional 401k, into my current workplace plan, or leave it as is (or even change my fund contributions).
If your current 401k allows incoming rollovers, I would roll the old 403b to the current 401k. It would not only simplify your portfolio but would be much cheaper.
Any other advice or input is appreciated.
In your Roth IRA at Fidelity there are better options. You could choose one individual index fund or one target-date index fund. If going individual I'd pick (FSTMX) Fidelity Total Market Index Fund Investor Class (0.09%). If going target-date I'd go (FQIFX) Fidelity Freedom Index 2025 Fund Investor Class (0.14%) which is close to your 63/37 AA.

Since the cheaper options in the 401k are individual funds I recommend you use an individual fund in the Roth IRA.

--------------------------

The following example of a retirement portfolio has an AA of 63% stocks, 37% bonds, with 30% of stocks in international. That breaks down to 44% US stocks, 19% international stocks, and 37% bonds. You could have:

401k -- $159K -- 95% <-- Includes rollover from old 403b.
32% (VINIX) Vanguard Institutional Index Fund Institutional Shares (0.035%)
7% (VSCIX) Vanguard Small-Cap Index Fund Institutional Shares (0.04%)
19% (VTSNX) Vanguard Total International Stock Index Fund Institutional Shares (0.09%)
37% (VBTIX) Vanguard Total Bond Market Index Fund Institutional Shares (0.04%)

Roth IRA at Fidelity -- $8K -- 5%
5% (FSTMX) Fidelity Total Market Index Fund Investor Class (0.09%)

Just some possibilities.

Topic Author
AnneMiller1980
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Re: Need help with portfolio, template included

Post by AnneMiller1980 » Sat Jun 30, 2018 7:33 pm

Anybody else want to weigh in??

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Misenplace
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Re: Need help with portfolio, template included

Post by Misenplace » Sat Jun 30, 2018 7:57 pm

Duckie’s suggestions are spot on, and exactly what I would do in your situation. It will be easy to manage- all you have to do is once a year check the percentages in your 401(k) and rebalance.

Good job on saving, making the 401k match, and pulling this information together.

retiredjg
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Re: Need help with portfolio, template included

Post by retiredjg » Sun Jul 01, 2018 7:39 am

AnneMiller1980 wrote:
Sat Jun 30, 2018 7:33 pm
Anybody else want to weigh in??
I would suggest something very similar to Duckie.

I might have left the Roth IRA in the FF Index Fund (but change to the fund that has the stock to bond ratio closest to your desired AA).

If your 401k has a "brokerage window", you could use the FF Index Fund there instead of the FF Fund you are currently using (again, choosing the one that has the right stock to bond ratio). This would be lower cost than your present FF fund and a little higher cost than the individual funds. It would still be low cost and not require you to do anything other than to add money. Sometimes there is a fee to use the brokerage window.

Without the legal protections of marriage, keeping your retirement investments separate is the right choice. At some point, the state may consider you married anyway. You might want to find out your status on that.

Topic Author
AnneMiller1980
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Re: Need help with portfolio, template included

Post by AnneMiller1980 » Sun Dec 30, 2018 9:13 am

Attempting to bump to the top with edited info and new questions. thanks!!!

retiredjg
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Re: Need help with portfolio, template included

Post by retiredjg » Sun Dec 30, 2018 9:34 am

AnneMiller1980 wrote:
Sun Jun 24, 2018 8:46 am
My main question is: I'm not sure what to do with my ROTH IRA. I don't love the idea of being in a retirement year Fund, but not sure what to change it to. Any suggestions or how to make considerations on this matter??
You only have a couple of options.

1) You can put an individual fund in the Roth IRA. For example, you could eliminate the international in your 401k and hold all of your international allocation in the Roth IRA. Or drop the mid cap and small cap in your 401k and hold Vanguard Extended Market Index in the Roth IRA.

If you do this, you will have to look at the portfolio as a whole (the entire $161k) instead of looking at each account individually.


2) You can use a target fund and not worry about balancing the portfolio as a whole. However, you are using the wrong target fund if you are trying to achieve a 62% stock and 38% bond allocation. That target fund is probably near 90% stocks.


In your situation, using a target fund in the Roth IRA is probably the easiest choice.

Topic Author
AnneMiller1980
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Re: Need help with portfolio, template included

Post by AnneMiller1980 » Sun Dec 30, 2018 9:58 am

My account is saying that Vanguard extended market index is closed to new investments. Not sure why this is, or what this means.

Someone suggested earlier in this post that the Fidelity index 2025 would be closer to my desired AA, this is probably the case, but would be a more conservative strategy. Am I right about this?

retiredjg
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Re: Need help with portfolio, template included

Post by retiredjg » Sun Dec 30, 2018 10:07 am

AnneMiller1980 wrote:
Sun Dec 30, 2018 9:58 am
My account is saying that Vanguard extended market index is closed to new investments. Not sure why this is, or what this means.
See if the Admiral share class is available. Vanguard has recently closed some Investor share class mutual funds and reduced the $ minimum for Admiral share class.
Someone suggested earlier in this post that the Fidelity index 2025 would be closer to my desired AA, this is probably the case, but would be a more conservative strategy. Am I right about this?
Yes.

Your said you want your portfolio at 62% stock and 38% bonds. That's a fine choice but it is also a conservative choice. If you see yourself as a conservative investor, that might be where you should be.

If you do not see yourself as a conservative investor, you might want to rethink that target. My point is if you want to be at 38% bonds, you currently have the wrong target fund to achieve that.

Topic Author
AnneMiller1980
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Re: Need help with portfolio, template included

Post by AnneMiller1980 » Sun Dec 30, 2018 11:05 am

I understand. I guess I have a hard time assessing my risk. I tend to be a "saver" and hence a little more conservative with my money, but I also understand the point of view that I likely have 25 or so more years in the work force, which is quite sometime to ride the waves of the market. What I don't want to have to do (nor should I) is keep messing with my investments. I'd rather just set it and forget it for the indefinite future, minus some minor adjustments, like rebalancing. thank you for your advice, ill look into the admiral fund

Topic Author
AnneMiller1980
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Re: Need help with portfolio, template included

Post by AnneMiller1980 » Tue Jan 01, 2019 9:35 am

OK. So I transferred $5500 into my Roth for 2018 and now it says I have $7000 securities held in cash, and $5500 cash credit, but I just bought $5475 in Vanguard Extended Market Index Admiral. I understand that this is a pretty risky fund. So, should I now adjust my 401K investments, or should I change around my other Roth investments? I have the rest in Fidelity Freedom Index 2045. Thanks in advance!!

retiredjg
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Re: Need help with portfolio, template included

Post by retiredjg » Tue Jan 01, 2019 9:58 am

The Vanguard Extended Market fund is the same thing as the Mid-Cap fund and the Small -Cap fund together. If you are now holding Extended Market in the Roth IRA, you may no longer need the mid and small cap in the 401k.

However, it is starting to be difficult to follow what you want and what you actually have. If you could give a summary that would be helpful. Do it like this.

401k
30% Fund A
20% Fund B
10% Fund C

Roth IRA
20% Fund D
20% Fund E

It does not make a lot of sense to hold both an individual fund and a target fund in your Roth IRA. That just complicates things.

Topic Author
AnneMiller1980
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UPDATED: Need help with portfolio, template included

Post by AnneMiller1980 » Tue Jan 01, 2019 5:18 pm

401k
•VANGUARD INST INDEX (VINIX) 31.35% invested
•VANGUARD MIDCAP IDX INST (VMCIX) 4.65% invested
•VANG SM CAP IDX INST (VSCIX) 6.25% invested
•VAN TOT INTL STK IS (VTSNX) 17.94% invested
•VANG TOT BD MKT INST (VBTIX) 39.81% invested

Roth IRA
Fidelity Freedom Index Fund (FIOFX) this is where I had all of my ROTH contributions prior to the latest contribution (made on 12/30/2018)
Vanguard Extended Market Index Admiral (VEXAX) this is where I designated my most recent contribution to go towards.

I can't seem to find the percentages of each in the ROTH, but I can see that I'm getting confused about having my overall portfolio equaling 100% contributions, versus having 100% funds of my 401K and 100% of funds in my ROTH. I'm literally like a child learning all of this, so I don't mean to seem so dumb about the whole thing, but I literally need it spelled out for me like a child!! Lol. Thanks foa ll the help so far.

retiredjg
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Re: Need help with portfolio, template included

Post by retiredjg » Tue Jan 01, 2019 5:26 pm

Ok. I understand that problem and can help with it.

You have 7 funds. How much money is in (or will soon be in) each fund?

Topic Author
AnneMiller1980
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Re: Need help with portfolio, template included

Post by AnneMiller1980 » Tue Jan 01, 2019 5:55 pm

401K
•VANGUARD INST INDEX (VINIX) $46,812
•VANGUARD MIDCAP IDX INST (VMCIX) $6,940
•VANG SM CAP IDX INST (VSCIX) $9,337
•VAN TOT INTL STK IS (VTSNX) $26,777
•VANG TOT BD MKT INST (VBTIX) $59,431

ROTH IRA
Fidelity Freedom Index Fund (FIOFX) $7,388
Vanguard Extended Market Index Admiral (VEXAX) $5,475
---(this still leaves $25 cash which needs to be invested into something- I accidentally messed up on the fee cost for the admiral fund)

retiredjg
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Re: Need help with portfolio, template included

Post by retiredjg » Sun Jan 06, 2019 1:25 pm

Here is what your portfolio actually looks like.

Portfolio total = $162,160

401K $149,237 92% of the portfolio
28.9% VANGUARD INST INDEX (VINIX) $46,812
4.3% VANGUARD MIDCAP IDX INST (VMCIX) $6,940
5.8% VANG SM CAP IDX INST (VSCIX) $9,337
16.5% VAN TOT INTL STK IS (VTSNX) $26,777
36.7% VANG TOT BD MKT INST (VBTIX) $59,431

ROTH IRA $12,863 7.9% of the portfolio
4.6% Fidelity Freedom Index Fund (FIOFX) $7,388
3.4% Vanguard Extended Market Index Admiral (VEXAX) $5,475




If you are going to handle these two accounts as one portfolio, here is how I would suggest you do it. I'm setting this up as a 62/38 portfolio but if you are reconsidering that ratio, the numbers can easily be changed.

401K $149,237 92% of the portfolio
36% VANGUARD INST INDEX (VINIX)
18% VAN TOT INTL STK IS (VTSNX) $
38% VANG TOT BD MKT INST (VBTIX)

ROTH IRA $12,863 7.9% of the portfolio
7.9% Vanguard Extended Market Index Admiral (VEXAX)

This would change your contributions to the 401k. How many dollars do you think you and your employer together contribute to the 401k in 2019?

Do you expect to contribute the full $6k to your Roth IRA?

Topic Author
AnneMiller1980
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Re: Need help with portfolio, template included

Post by AnneMiller1980 » Mon Jan 07, 2019 12:47 am

Because of where the market is right now, I was thinking of making a lump sum contribution of $3000 to my ROTH as I just got some unexpected money as a gift. I would say that my employer and I combined, will probably contribute approx. $3500 for the year to my 401K. This is my contribution of 4% plus the 60% match from my company of the first 4% I contribute.

retiredjg
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Re: Need help with portfolio, template included

Post by retiredjg » Mon Jan 07, 2019 8:17 am

In that case, this portfolio idea is not going to work well because too much is going into Roth and not enough into the 401k to maintain the ratios you want.

I think you should continue on with your current plan - keep the 401k as an independent mini portfolio like you have it today. Then exchange the extended market fund in the Roth IRA to the target fund and put new Roth IRA money into the target fund as well. That way, it will not matter how much is going into either account.

If you really want to set this up with individual funds, you should put about $5,500 into the 401k and only $1k into the Roth IRA. If you want to do that, I could show you how to split it up.

retiredjg
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Re: Need help with portfolio, template included

Post by retiredjg » Mon Jan 07, 2019 8:24 am

AnneMiller1980 wrote:
Tue Jan 01, 2019 9:35 am
OK. So I transferred $5500 into my Roth for 2018 and now it says I have $7000 securities held in cash, and $5500 cash credit, but I just bought $5475 in Vanguard Extended Market Index Admiral.
Do you have cash in the Roth IRA or do you have the Target Fund?

Topic Author
AnneMiller1980
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Re: Need help with portfolio, template included

Post by AnneMiller1980 » Wed Jan 09, 2019 9:25 pm

A couple comments on this. The reason I contribut so heavily to the Roth IRA is because I had been following Dave Ramsey for a long time, and while I don’t agree with his investing advice for the most part, it did make sense to me to contribute to my 401K at least to meet my company match, and then fully fund my ROTH. That’s why I went that route, although i had two children in the last 4 years, and also changed jobs amidst the chaos, so my retirement has been off track, to say the least.

My Roth right now has money in both the Target date index fund, and the Admiral fund, and $25 cash at my disposal which remains to be invested.

retiredjg
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Re: Need help with portfolio, template included

Post by retiredjg » Thu Jan 10, 2019 6:28 am

I think 401k up to the match and Roth IRA make a good combination. Especially since you are in a low tax bracket - 12%. Getting money into Roth IRA at 12% is a good thing.

If you want to continue this, it is easiest to only use the target fund in the Roth IRA.

Topic Author
AnneMiller1980
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Re: Need help with portfolio, template included

Post by AnneMiller1980 » Fri Jan 11, 2019 6:36 am

Ok. So two questions about this plan. Should I change my target fund date? It’s currently in Fidelity Freedom Index 2045. If this is the less conservative fund (as opposed to 2025), I’m ok with that for now, as I do have time in the market. Next, should I rebalance my 401K (based on my balances above), and how exactly do I do that? Besides the simple answer of just moving money around. Again, consider me a simpleton. Thank you for all your help and guidance, it’s been immensely helpful to square this away, and I’ll be pulling out my Bogleheads Guide again for some bedtime reading very soon.

retiredjg
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Re: Need help with portfolio, template included

Post by retiredjg » Fri Jan 11, 2019 7:19 am

That depends on what stock to bond ratio you want.

You first indicated you wanted 38% bonds. We discussed that this is a pretty conservative position. You said you were somewhat conservative, but you still have 25 years to invest and that you are OK with holding a target fund that is more aggressive than 38% bonds.


If you want the overall portfolio to be more aggressive than 38% bonds, you can use the target fund that you have been using - which is probably about 10% bonds. But since the Roth IRA is so small, that is not really moving the needle much toward a lower bond allocation.

I'm having trouble figuring out just what you want. I'm also wondering why you have a Fidelity fund and a Vanguard fund in Roth IRA. Do you have a Roth IRA at each place?

We will come back to how to rebalance the portfolio.

Topic Author
AnneMiller1980
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Re: Need help with portfolio, template included

Post by AnneMiller1980 » Sat Jan 19, 2019 7:05 pm

My Roth IRA is with Fidelity only. I’m invested in both the Fidelity index fund and the Admiral fund because i invested the money at two different times. Over time I’ve been advised that Vanguard funds are typically lower fees than Fidelity, so I was trying to change things over to Vanguard funds, but it seems as though that is confusing things and complicating my overall portfolio. My plan is to sell the Admiral Fund and reinvest it all into the Fidelity Index fund (based on the suggestion that keeping the Admiral fund will skew my overall portfolio), I’m just trying to assess which index fund I’m most comfortable with as far as risk is concerned. Whether or not to leave it at 2045 or change it all to 2025.

retiredjg
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Re: Need help with portfolio, template included

Post by retiredjg » Sun Jan 20, 2019 9:37 am

AnneMiller1980 wrote:
Sat Jan 19, 2019 7:05 pm
My Roth IRA is with Fidelity only. I’m invested in both the Fidelity index fund and the Admiral fund because i invested the money at two different times. Over time I’ve been advised that Vanguard funds are typically lower fees than Fidelity, so I was trying to change things over to Vanguard funds, but it seems as though that is confusing things and complicating my overall portfolio.
Vanguard and Fidelity funds are very close in cost. If you want Vanguard funds, you should buy them at Vanguard. Fidelity charges you a fee to buy Vanguard funds - there is no reason to pay such a fee.


I’m just trying to assess which index fund I’m most comfortable with as far as risk is concerned. Whether or not to leave it at 2045 or change it all to 2025.
Decide what you want your stock to bond ratio to be. That will determine which one you buy.

Topic Author
AnneMiller1980
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Re: Need help with portfolio, template included

Post by AnneMiller1980 » Fri Jan 25, 2019 1:33 pm

OK, so here's where I'm at today.

I have exchanged my ROTH funds so that all ROTH contributions are now going into FIOFX and I am comfortable with this for now.
My 401K funds remain as below:
VMCIX VANG MIDCAP IDX INST
VINIX VANGUARD INST INDEX
VSCIX VANG SM CAP IDX INST
VBTIX VANG TOT BD MKT INST
VTSNX VANG TOT INTL STK IS

And I wanted to make a note, the reason that I chose Vanguard funds within my Fidelity Account is because prior I was contributing to 3 Fidelity Funds which had higher fees, and I believe on this thread prior (I may have removed when I updated the thread), it was advised that it would be easiest to exchange the Fidelity funds for Vanguard funds (lower fees) within my current Fidelity (which is through my current company, and also included a rollover from my previous company) rather than have some accounts with Fidelity and start new accounts in Vanguard. Any thoughts and opinions are welcome.

retiredjg
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Re: Need help with portfolio, template included

Post by retiredjg » Sat Jan 26, 2019 9:12 am

I think my answer was unclear.

It is always fine to buy Vanguard funds inside a Fidelity 401k. There are no extra fees for doing that.

It is a bad idea to buy Vanguard funds in a taxable account or IRA/Roth IRA at Fidelity because there is a transaction fee. Seems like it may be $50 or $75? Paying fees like that completely undermines the low cost purpose of the Vanguard funds. And Fidelity has its own low cost index funds which are perfectly fine to use.

Topic Author
AnneMiller1980
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Re: Need help with portfolio, template included

Post by AnneMiller1980 » Sat Jan 26, 2019 9:36 pm

I see. Any interest in guiding me on how to rebalance my funds? As I look over my portfolio and keep trying to learn more, I’m realizing that I don’t have a complete understanding of keeping my entire portfolio balanced (between Roth and 401k), but am interested in sorting all that out so I can make necessary changes going forward. I was watching some of the intro videos and it talked about choosing your stock/bond ratio and then adjusting it by one percentage point each year. I do realize that this has to happen across my entire portfolio and not just within each fund.

retiredjg
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Re: Need help with portfolio, template included

Post by retiredjg » Sun Jan 27, 2019 10:20 am

First, the old 403b seems to have dropped out of the picture. Did you roll it into your current 401k?

Other than that, this is where I think we are:
  • I think you have chosen to set up your portfolio with the 5 funds in the 401k and the Fidelity Freedom Index 2045 in the Roth IRA.

    I think you have chosen to allocate the 401k at 62% stock and 38% bonds. We discussed that this was somewhat conservative, but you have not indicated if you want to stay there or change it.

    I think you have decided to keep your Roth IRA at 90% stocks and 10% bonds and you indicate you are comfortable with that for now.
If what I think is correct, you do not need to balance between your Roth and your 401k. The Roth IRA will take care of itself - remember that it will be adding bonds as time moves on.

That means you only need to maintain a balance between the 5 funds in the 401k.

So far, you have not indicated what you want the stock to bond ratio to be for the whole portfolio (401k and Roth IRA). Once you decide that we can move forward with rebalancing if it is needed.

If your preference is to leave the 401k at 62/38 and the Roth IRA at 90/10 you can do that too.

Topic Author
AnneMiller1980
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Re: Need help with portfolio, template included

Post by AnneMiller1980 » Mon Jan 28, 2019 2:02 pm

Yes i rolled my 403b into my current 401K.

What you think is correct, but brings up a new question for me. The idea that my 401K which has a higher balance is being invested at a more conservative ratio of 62/38 is pleasing to me. But I also feel comfortable with my RothIRA staying at 90/10, because it’s less money invested, less to lose at the higher rate of risk. Am I overthinking this? Is there an easier way to meet in the middle of my risk tolerance?

I’m really getting stuck between knowing I have at least 25 years to ride the market, vs. talking to my dad who always invested very conservatively (CDs and T-bills) and accumulated a lot of wealth over the years. He didn’t lose anything in 2008, and it was about 2 years prior to his retirement, so he came out well on the other end. I realize I’m wavering, but I tend to live on both ends of the spectrum. I like to save my money, but I also like to gamble.

At the end of the day, I want to do what brings me the most gains with the least work. If that means making my entire portfolio 70/30 as a middle man, I’ll do that.

retiredjg
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Re: Need help with portfolio, template included

Post by retiredjg » Tue Jan 29, 2019 9:37 am

AnneMiller1980 wrote:
Mon Jan 28, 2019 2:02 pm
Yes i rolled my 403b into my current 401K.

What you think is correct, but brings up a new question for me. The idea that my 401K which has a higher balance is being invested at a more conservative ratio of 62/38 is pleasing to me. But I also feel comfortable with my RothIRA staying at 90/10, because it’s less money invested, less to lose at the higher rate of risk. Am I overthinking this? Is there an easier way to meet in the middle of my risk tolerance?
There is an easier way, but it seems that what you have suits you pretty well. It ain't broke, you don't have to fix it.


At the end of the day, I want to do what brings me the most gains with the least work. If that means making my entire portfolio 70/30 as a middle man, I’ll do that.
You seem to be unable to make a decision on this at this time. For that reason, I suggest leaving it as it is for 6 months and revisiting the question. You might make a small change and move the 401k to at least 65/35 if you want. It's not a big change but you can try it out and see how you like it.

Topic Author
AnneMiller1980
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Re: Need help with portfolio, template included

Post by AnneMiller1980 » Thu Jan 31, 2019 5:48 pm

Thank you for being so patient. I think I will leave it as is for the next 6 months. I do think that’s reasonable. So then can i just leave everything alone, or should I rebalance my funds just within the 401K at this time?

retiredjg
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Re: Need help with portfolio, template included

Post by retiredjg » Thu Jan 31, 2019 6:03 pm

Annemiller, You are having significant problems making decisions about your portfolio. I'm going to try to help you make one.

Tell me what stock to bond ratio you want in your 401k. Once you tell me that, we will go on from there.

Topic Author
AnneMiller1980
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Joined: Sun Jun 24, 2018 8:26 am

Re: Need help with portfolio, template included

Post by AnneMiller1980 » Thu Jan 31, 2019 9:19 pm

I’d like to do 62/38 in my 401K.

retiredjg
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Joined: Thu Jan 10, 2008 12:56 pm

Re: Need help with portfolio, template included

Post by retiredjg » Fri Feb 01, 2019 6:44 am

What is the ratio in the 401k today?

Topic Author
AnneMiller1980
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Joined: Sun Jun 24, 2018 8:26 am

Re: Need help with portfolio, template included

Post by AnneMiller1980 » Fri Feb 01, 2019 7:56 am

43.03% domestic stocks
37.58% bonds
17.85% foreign stock
1.34% short term
0.20% other

retiredjg
Posts: 37184
Joined: Thu Jan 10, 2008 12:56 pm

Re: Need help with portfolio, template included

Post by retiredjg » Fri Feb 01, 2019 8:54 am

So that is 60.9% stocks and 38.9% bonds. Do you think you should rebalance?

Topic Author
AnneMiller1980
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Re: Need help with portfolio, template included

Post by AnneMiller1980 » Fri Feb 01, 2019 10:57 am

No I don’t think so!

retiredjg
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Joined: Thu Jan 10, 2008 12:56 pm

Re: Need help with portfolio, template included

Post by retiredjg » Fri Feb 01, 2019 5:16 pm

I don't think so either. :happy

In fact, you can let it wander up and down about 5% points if you want.

Thesaints
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Re: Need help with portfolio, template included

Post by Thesaints » Fri Feb 01, 2019 5:20 pm

AnneMiller1980 wrote:
Thu Jan 31, 2019 5:48 pm
Thank you for being so patient. I think I will leave it as is for the next 6 months. I do think that’s reasonable. So then can i just leave everything alone, or should I rebalance my funds just within the 401K at this time?
Who can tell ? You haven't said a word of what your financial goals are. Maybe you are good 100% in cash, maybe you need to be at leas t 100% in stocks in order to hope to achieve them.

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