I am trying to make some changes to my portfolio and would love to get your feedback on my portfolio and the location of the assets
so far i have been using the fidelity freedom funds 2045 fund (FFKGX) (ER 0.64) in my 401k and 457 at fidelity.
I also have roth IRA account for myself and my wife, plus a taxable account at Vanguard. I want to take the money out of the Fidelity freedom funds and use the low cost index funds. I would appreciate your feedback regarding my plan
Age: 40
Desired Asset allocation: 80% stocks / 20% bonds
Desired International allocation: 33% of total stocks
I would like the following allocation
REIT Vanguard REIT index fund 7.5% (ER 0.12) (as total stock market has 3% REIT, this will get me around 10% REIT overall)
Remaining 72.5% of stocks are divided as follows
US stocks 48.5% of total portfolio will be invested in vanguard total stock market index fund (0.04) or Fidelity Total Stock market index FSTVX (ER 0.045)
24% international stocks will be invested in Vanguard Total international stock market index fund (0.11)
For 20% Bonds I will use Vanguard total Bond market institutional index fund (available in 401k/457, ER 0.04)
Now regarding the location of the different funds in different accounts, here is what I am thinking
REIT index fund goes in the ROTH IRAs
Extra REIT amount which did not fit into ROTH IRA goes into 401K ( I can use fidelity brokerage link to access fidelity REIT index fund FSRVX ER 0.09)
457 will hold the Vanguard total Bond market index institutional
401 K will hold the following funds
– Vanguard total Bond market index fund institutional VBTIX (ER 0.04)
– Amount left will be invested in Fidelity Total Stock market index fund FSTVX (ER 0.045)
HSA (small balance) will be invested in Vanguard REIT index institutional (ER 0.10 + 0.396 (extra fee charged by health equity) total ER 0.496)
what do you think about this portfolio?
is it ok to invest all the bond allocation into the Vanguard total bond market fund?
I appreciate your feedback
Thanks
so far i have been using the fidelity freedom funds 2045 fund (FFKGX) (ER 0.64) in my 401k and 457 at fidelity.
I also have roth IRA account for myself and my wife, plus a taxable account at Vanguard. I want to take the money out of the Fidelity freedom funds and use the low cost index funds. I would appreciate your feedback regarding my plan
Age: 40
Desired Asset allocation: 80% stocks / 20% bonds
Desired International allocation: 33% of total stocks
I would like the following allocation
REIT Vanguard REIT index fund 7.5% (ER 0.12) (as total stock market has 3% REIT, this will get me around 10% REIT overall)
Remaining 72.5% of stocks are divided as follows
US stocks 48.5% of total portfolio will be invested in vanguard total stock market index fund (0.04) or Fidelity Total Stock market index FSTVX (ER 0.045)
24% international stocks will be invested in Vanguard Total international stock market index fund (0.11)
For 20% Bonds I will use Vanguard total Bond market institutional index fund (available in 401k/457, ER 0.04)
Now regarding the location of the different funds in different accounts, here is what I am thinking
REIT index fund goes in the ROTH IRAs
Extra REIT amount which did not fit into ROTH IRA goes into 401K ( I can use fidelity brokerage link to access fidelity REIT index fund FSRVX ER 0.09)
457 will hold the Vanguard total Bond market index institutional
401 K will hold the following funds
– Vanguard total Bond market index fund institutional VBTIX (ER 0.04)
– Amount left will be invested in Fidelity Total Stock market index fund FSTVX (ER 0.045)
HSA (small balance) will be invested in Vanguard REIT index institutional (ER 0.10 + 0.396 (extra fee charged by health equity) total ER 0.496)
what do you think about this portfolio?
is it ok to invest all the bond allocation into the Vanguard total bond market fund?
I appreciate your feedback
Thanks
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