Hey everyone, new general pediatrician hoping to get some advice about 401k/457/HSA portfolio planning. I currently have both a 401k and 457 plan through Fidelity (maxing out both, Roth in 401k). Both of these plans have the same fund options. Wanted to see if anyone had any experience with the Fidelity BrokerageLink and investing through this rather than the traditional funds? Ideally I'd like to be in all low cost Vanguard index funds, but can't get there with the current limited plan offerings and don't like several of the expense ratios I'm stuck with. I was thinking about using the BrokerageLink to invest in "near" Vanguard equivalent Fidelity index funds (found a list on Bogleheads) in order to avoid the trading feeds if I were to go the Vanguard route. Is it worth it to change my portfolio in the Roth 401k knowing that I don't have the same option with BrokerageLink for the money in the 457 and am stuck with the plan funds? Would there be any advantages to asset allocating differently between the Roth 401k and 457? ie) one more bond/alternative heavy than the other, etc?
To complete the picture, I've also got an HSA that I have been investing monthly now that I'm above the 2k minimum balance. I have broader fund list that includes many Vanguard index funds. I've set this up to be ultra aggressive.
Thanks in advance for your reply. Very grateful for so many experienced docs looking out for one another!
Chris
To complete the picture, I've also got an HSA that I have been investing monthly now that I'm above the 2k minimum balance. I have broader fund list that includes many Vanguard index funds. I've set this up to be ultra aggressive.
Thanks in advance for your reply. Very grateful for so many experienced docs looking out for one another!
Chris
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