Asset Allocation

[palciparum]

I would like to thank Forum and Forum members.

I need help with asset allocation.

We are 40 years old. My spouse has 80K in 401K and I have 80K in 401K. I opened Vanguard account for Mutual Index Fund to invest 40K - total 200K investment.

I will follow 60/20/20 0r 60/30/10 for investment (some say 60/30/10 is too aggressive)

60% Vanguard Total Stock Market Index
30% Vanguard Total International Stock Market Index
10% Vanguard Total Bond Market Index

Can you all please help with us with asset allocation between 401Ks and Vanguard mutual index funds?

Thank You

[palciparum]

My 401K Plan is JH Multimanager Balanced LS  :

 

I pay extra 1% to J Hancock other than Expense Ratio.

Plan options are:

Large Cap Value
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
Dodge & Cox Stock Fund 97	Dodge & Cox	228.08	0.27	0.12	-0.08	-0.01	5.35	23.61	9.11	17.40	5.68	11.20	0.42	Large Value
Equity Income Fund 13 31 54	T. Rowe Price	25.65	0.06	0.25	0.10	0.29	3.87	16.63	6.50	13.16	5.52	9.29	0.32	Large Value
Fundamental Large Cap Value 13 102 5 117	John Hancock	20.71	0.03	0.15	0.30	-0.34	4.22	18.12	6.82	15.33	5.07	8.12	0.21	Large Value
Washington Mutual Investors 38 61 40 65	American Funds	52.79	0.14	0.28	1.54	2.12	6.91	16.93	8.96	14.60	6.55	8.70	0.30	Large Value
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Large Cap Blend
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		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
• 500 Index Fund 110 22 13 91 9 76	John Hancock	31.85	0.04	0.14	1.46	2.60	8.69	17.49	10.12	15.39	6.94	9.24	0.03	Large Blend
Fundamental Investors 37 61 31 65	American Funds	71.80	0.08	0.12	2.17	4.22	10.33	20.11	10.90	16.13	7.31	12.76	0.30	Large Blend
• JPMorgan US Equity Fund 147 138	J.P. Morgan	17.79	0.03	0.19	1.16	2.79	9.30	18.56	10.37	16.31	8.31	9.56	0.36	Large Blend
Investment Company of America 38 61 160 40 65	American Funds	50.09	0.03	0.08	1.18	2.50	7.81	16.77	8.93	15.25	6.62	11.99	0.29	Large Blend
Total Stock Market Index Fund 22 13 29 91 172 76	John Hancock	22.77	0.02	0.10	1.08	2.26	7.98	17.96	9.45	15.11	7.15	5.89	0.08	Large Blend
• U.S. Growth Fund 13 57 107 9 161 53	Wellington	17.23	0.01	0.11	3.25	6.77	15.28	17.09	8.94	13.43	5.24	7.15	0.30	Large Blend
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Large Cap Growth
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		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
Blue Chip Growth Fund 13 57 117 90 153	T. Rowe Price	49.73	-0.02	-0.05	3.59	9.08	18.72	24.08	13.24	17.61	9.64	9.20	0.37	Large Growth
Capital Appreciation Fund 12 13 57 15 115 106	Jennison	24.30	-0.02	-0.11	3.82	9.13	18.70	22.05	12.90	16.29	9.57	5.88	0.29	Large Growth
Fundamental All Cap Core Fund 22 13 103 5 38 91	John Hancock	28.72	0.02	0.09	1.42	2.97	9.71	21.11	10.99	17.73	7.20	9.99	0.26	Large Growth
The Growth Fund of America 154 38 9 61 40 65	American Funds	60.91	-0.02	-0.04	2.12	5.25	12.68	21.05	11.14	16.69	7.59	10.01	0.33	Large Growth
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Mid Cap Value
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		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
Mid Value Fund 22 13 91 41 53 31	T. Rowe Price	17.44	0.02	0.17	-1.05	-1.87	1.33	13.26	8.58	15.88	7.76	9.37	0.56	Mid-cap Value
Vanguard Mid-Cap Value ETF 123 139 118 119 76	Vanguard	14.24	0.02	0.16	0.09	0.22	5.77	17.08	8.69	15.88	6.99	8.65	0.14	Mid-cap Value
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Mid Cap Blend
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
• Mid Cap Index Fund 22 57 13 48 91 76	John Hancock	27.88	0.04	0.18	-0.50	0.01	4.35	17.17	9.38	14.98	8.18	9.33	0.06	Mid-cap Blend
Value Fund 22 13 123 106 91	Invesco	28.03	0.02	0.09	-1.21	-4.30	0.30	10.80	4.56	12.00	6.65	8.72	0.39	Mid-cap Blend
WisdomTree MC Earnings ETF 126 139 119 76	WisdomTree	12.85	0.01	0.14	-1.52	-0.23	3.07	15.26	7.47	15.65	8.64	9.04	0.44	Mid-cap Blend
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Mid Cap Growth
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
American Century Heritage 87 54	American Century	32.52	0.05	0.18	1.84	4.99	11.71	14.88	8.39	12.34	7.89	11.74	0.65	Mid-cap Growth
Mid Cap Stock Fund 23 13 90 41	Wellington	28.33	0.07	0.28	5.13	10.64	17.50	22.25	9.61	15.23	7.35	7.57	0.42	Mid-cap Growth
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Small Cap Value
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		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
DFA US Targeted Value Fund 25	DFA	27.79	0.02	0.08	-3.35	-4.74	-3.63	16.00	5.41	14.68	6.05	11.42	0.37	Small Value
Vanguard Small Cap Value Index 125 120	Vanguard	56.32	0.07	0.13	-2.34	-2.67	0.01	16.46	8.18	15.37	6.88	8.76	0.08	Small Value
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Small Cap Blend
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
DFA U.S. Small Cap Fund 31 54	DFA	39.22	0.02	0.06	-2.50	-1.83	-0.67	17.86	7.99	14.96	7.55	10.93	0.37	Small Blend
• New Opportunities Fund 123 13 38 149 41	DFA & Invesco	36.92	0.06	0.18	-1.33	-0.64	1.10	16.98	6.29	13.98	5.25	9.61	0.34	Small Blend
• Small Cap Index Fund 22 13 29 91 76	John Hancock	18.86	-0.01	-0.06	-1.99	-0.75	1.61	20.62	8.25	14.32	6.62	7.85	0.08	Small Blend
Small Cap Value Fund 22 23 13 91 53	Wellington	29.38	0.05	0.19	-3.09	-3.01	-3.57	11.25	8.79	14.06	7.94	13.27	0.67	Small Blend
Small Company Value Fund 13	T. Rowe Price	48.28	-0.01	-0.03	-1.65	-0.88	-0.39	22.34	8.36	13.74	7.28	8.45	0.77	Small Blend
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Small Cap Growth
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
Invesco Small Cap Growth 67 57 130	Invesco	56.40	0.15	0.28	0.44	3.80	8.97	19.02	9.55	15.51	8.44	11.07	0.47	Small Growth
Small Cap Growth Fund 22 13 91 41 53	Wellington	12.50	0.01	0.11	0.27	4.10	11.34	22.48	4.88	12.12	6.45	6.36	0.64	Small Growth
Vanguard Small Cap Grow Index 125 41 120	Vanguard	53.09	0.12	0.23	0.34	2.17	7.85	17.24	7.13	13.44	7.51	8.55	0.08	Small Growth
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
International/Global Value
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
International Value Fund 23 13 9	Franklin Templeton	18.14	0.00	0.00	2.56	6.90	11.70	23.51	0.11	10.54	1.88	5.30	0.40	Foreign Large Value
• JH Disciplined Value Intl Fund 79 13 159	Robeco	34.94	0.02	0.08	3.60	10.33	14.74	14.51	-0.81	9.55	0.91	3.22	0.50	Foreign Large Value
Templeton World 41	Franklin Templeton	21.56	-0.07	-0.35	1.24	2.63	6.32	20.30	2.07	11.98	3.83	11.95	0.57	World Stock
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
International/Global Blend
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
• Intl Equity Index Fund 110 22 13 15 29 91 76	SSgA	18.02	0.00	0.00	3.20	8.55	14.39	18.69	1.33	8.53	1.26	6.25	0.12	Foreign Large Blend
Capital World Growth & Income 37 61 65	American Funds	55.10	-0.13	-0.24	2.47	6.39	12.32	17.54	5.23	12.55	4.86	10.93	0.45	World Stock
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
International/Global Growth
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
EuroPacific Growth Fund 38 61 40 41 65	American Funds	56.64	-0.13	-0.23	3.39	10.40	16.64	18.61	3.71	10.47	3.55	11.11	0.49	Foreign Large Growth
Oppenheimer Global 56 29 130	Oppenheimer	96.08	-0.18	-0.19	2.78	9.52	18.38	24.59	7.32	14.52	5.48	12.11	0.65	World Stock
SMALLCAP World Fund 37 61 65	American Funds	63.83	0.14	0.22	1.78	6.19	13.40	19.53	7.92	13.23	5.60	10.04	0.72	World Stock
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Sector
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
Financial Industries Fund 22 12 13 15 91	John Hancock	21.26	0.00	0.00	-1.29	-3.15	1.20	22.80	8.08	13.54	3.82	5.61	0.57	Financial
• Natural Resources Fund 13 38	Jennison	11.28	0.05	0.46	-3.27	-8.60	-9.12	4.25	-14.73	-4.81	-4.91	5.70	0.52	Natural Resources
Real Est. Securities Fund 57 13	Deutsche	18.22	0.01	0.08	0.52	-2.03	1.57	3.00	8.36	10.22	5.07	10.65	0.29	Real Estate
Science & Technology Fund 22 57 13 91	T. Rowe Price & Allianz	38.52	-0.08	-0.22	4.75	10.66	23.16	33.44	16.80	20.19	11.96	7.30	0.63	Technology
Tocqueville Gold Fund 123 118	Tocqueville	36.73	0.12	0.33	0.24	-1.14	8.40	3.61	-0.34	-8.97	-0.62	10.65	0.90	Equity Precious Metals
Utilities Fund 22 12 13 115 91	MFS	17.20	0.02	0.15	3.52	4.93	11.18	11.41	2.38	10.84	6.01	7.90	0.42	Utilities
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Balanced
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
American Balanced Fund 38 160 61 40 31 65	American Funds	31.21	0.02	0.08	1.42	2.72	6.85	12.32	7.69	11.73	6.93	10.97	0.29	Allocation--50% To 70% Equity
• BlackRock Global Allocation 57 3 63	BlackRock	24.28	-0.01	-0.05	1.57	3.76	7.55	11.86	3.69	7.56	5.13	10.26	0.63	World Allocation
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Target Date
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
• JH Multi-Index 2060 Preserv 13 179 157 114	John Hancock	11.82	0.01	0.09	1.61	3.56	8.36	15.95	-	-	-	14.95	0.18	Target Date 2051+
• JH Multi-Index 2055 Preserv 13 179 114 126	John Hancock	12.53	0.01	0.09	1.61	3.58	8.31	15.95	6.44	-	-	7.29	0.19	Target Date 2051+
• JH Multi-Index 2050 Preserv 111 13 179 125 114 97	John Hancock	14.84	0.02	0.15	1.65	3.61	8.44	16.06	6.40	10.86	-	8.06	0.19	Target Date 2046-2050
• JH Multi-Index 2045 Preserv 111 13 2 179 114 125	John Hancock	16.63	0.02	0.14	1.68	3.65	8.33	16.08	6.40	10.86	-	8.99	0.18	Target Date 2041-2045
• JH Multi-Index 2040 Preserv 111 2 13 179 125 114	John Hancock	16.51	0.02	0.14	1.62	3.53	8.15	15.50	6.24	10.73	-	8.93	0.17	Target Date 2036-2040
• JH Multi-Index 2035 Preserv 111 13 2 179 114 125	John Hancock	16.21	0.01	0.07	1.50	3.37	7.66	14.42	5.93	10.25	-	8.62	0.17	Target Date 2031-2035
• JH Multi-Index 2030 Preserv 111 2 13 179 125 114	John Hancock	15.62	0.01	0.07	1.40	3.09	6.75	12.55	5.46	9.35	-	8.07	0.17	Target Date 2026-2030
• JH Multi-Index 2025 Preserv 111 13 2 179 114 125	John Hancock	14.65	0.00	0.00	1.09	2.46	5.28	9.40	4.55	7.79	-	7.11	0.16	Target Date 2021-2025
• JH Multi-Index 2020 Preserv 111 2 13 179 125 114	John Hancock	13.49	0.00	0.00	0.93	1.98	3.84	6.19	3.57	5.74	-	5.83	0.16	Target Date 2016-2020
• JH Multi-Index Income Preserv 155 111 2 13 179 125 114 153	John Hancock	12.33	0.00	0.00	0.73	1.40	2.72	3.87	2.72	3.63	-	4.48	0.19	Target Date 2011-2015
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Target Risk
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
JH Multimanager Aggressive LS 13 179 125	John Hancock	19.97	0.01	0.06	1.93	4.99	10.89	18.03	6.56	12.36	4.83	5.62	0.51	Large Blend
JH Multimanager Growth LS 13 123 179 125	John Hancock	19.82	0.01	0.06	1.70	4.29	9.35	15.61	6.00	11.10	5.33	6.22	0.48	Aggressive Allocation
JH Multimanager Balanced LS 123 13 179 125 9	John Hancock	18.30	0.00	-0.02	1.44	3.51	7.59	13.03	5.20	9.22	5.33	6.44	0.45	Moderate Allocation
JH Multimanager Moderate LS 13 179 125 31	John Hancock	16.56	0.00	0.00	1.13	2.84	5.94	10.06	4.30	7.32	5.45	6.40	0.39	Conservative Allocation
JH Multimanager Conserv LS 13 179 125	John Hancock	15.37	-0.01	-0.09	0.89	2.25	4.45	7.16	3.38	5.36	5.35	6.21	0.37	Conservative Allocation
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
High Quality Short Term Fixed Income
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
• Money Market Fund 143 22 166 13 158 91 83 142	John Hancock	1.00	0.00	0.00	0.10	0.20	0.30	0.50	0.28	0.25	0.76	3.67	0.03	Money Market-taxable
Money Market Fund current 7-day yield is 1.09% as of the performance date indicated above. The current yield quotation more closely reflects the current earnings of the Money Market Fund as of the date this report was prepared while the Annualized returns above refer to a specific past holding period reflecting the period covered by this report. Although the fund strives to maintain a positive yield, there is no guarantee the fund will be able to do so. The subaccount's actual current yield may be lower or higher than that of the underlying trust. An investment in the underlying Money Market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The underlying fund seeks to preserve a value of $1.00 per share but it is possible to lose money by investing in the Money Market Fund that invests in the underlying fund. The Sponsor of the underlying fund has no legal obligation to provide financial support, and you should not expect that the Sponsor will provide financial support to the underlying fund at any time.
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Medium Quality Short Term Fixed Income
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
Vanguard Short-Term Federal 143 15 125 83 142 120	Vanguard	11.06	0.00	-0.09	0.20	0.42	0.80	0.84	1.09	0.91	2.65	4.93	0.10	Short Government
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Low Quality Short Term Fixed Income
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
Strategic Income Opp Fund 22 13 48 15 39 8 91	John Hancock	14.79	0.00	0.00	0.49	1.16	2.60	5.22	4.01	5.91	7.14	7.02	0.25	Multisector Bond
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
High Quality Intermediate Term Fixed Income
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
Core Bond Fund 13 106 53	Wells Capital	13.93	-0.02	-0.15	0.66	1.43	2.45	2.03	2.77	2.87	5.36	4.93	0.17	Intermediate-term Bond
• Total Bond Market Fund 110 22 13 6 91 72 162	John Hancock	10.93	-0.02	-0.19	0.71	1.34	2.29	1.47	2.54	2.15	4.41	4.56	0.06	Intermediate-term Bond
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Medium Quality Intermediate Term Fixed Income
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
Fidelity Advisor Total Bond 147 138	Fidelity	11.46	0.00	-0.09	0.60	1.55	2.90	4.34	3.34	3.38	5.25	5.20	0.25	Intermediate-term Bond
Investment Qual Bond Fund 13	Wellington	13.59	-0.02	-0.16	0.79	2.10	3.45	4.09	3.12	3.20	5.24	6.57	0.18	Intermediate-term Bond
• John Hancock Bond Fund 165 13 172	John Hancock	16.32	-0.01	-0.11	0.82	1.75	3.34	4.90	3.77	5.03	-	5.57	0.17	Intermediate-term Bond
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Low Quality Intermediate Term Fixed Income
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
High Yield Fund 45 13 115 54	WAMCO	10.12	0.00	0.00	0.77	1.33	4.28	14.61	2.79	6.78	6.86	6.17	0.29	High Yield Bond
U.S. High Yield Bond Fund 45 13 41 53	Wells Capital	14.14	0.01	0.09	0.49	1.36	4.28	13.18	4.91	6.75	7.06	7.36	0.35	High Yield Bond
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Medium Quality Long Term Fixed Income
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
• Real Return Bond Fund 13 38	PIMCO	11.87	-0.03	-0.27	0.04	0.72	2.34	3.69	0.88	0.39	4.86	4.50	0.25	Inflation Protected Bond
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Global Long Term Fixed Income
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
Global Bond Fund 13	PIMCO	12.96	-0.02	-0.16	1.52	3.21	5.04	2.47	1.19	1.85	5.22	5.54	0.32	World Bond
Investment Option	Manager or Sub-Adviser*3	Unit Values as of: June 30, 2017 - Unit Value*46	Unit Values as of: June 30, 2017 - Daily Change ($)	Unit Values as of: June 30, 2017 - Daily Change (%)	Returns* (%) as of: May 31, 2017 - 1mth	Returns* (%) as of: May 31, 2017 - 3mth	Returns* (%) as of: May 31, 2017 - YTD	Monthly Returns* (%) as of: May 31, 2017 - 1Yr	Monthly Returns* (%) as of: May 31, 2017 - 3Yr	Monthly Returns* (%) as of: May 31, 2017 - 5Yr	Monthly Returns* (%) as of: May 31, 2017 - 10Yr	Since Inception	As of: March 31, 2017- Expense Ratio**(%)	Morningstar Category*7
Market Indexes (comparison purposes only)
Monthly returns shown - View quarterly returns
		Unit Values as of: June 30, 2017			Returns* (%) as of: May 31, 2017			Returns* (%) as of: May 31, 2017					As of: March 31, 2017
								Shown: monthly returns View quarterly returns
Investment Option	Manager or Sub- Adviser*3	Unit Value*46	Daily Change ($) (%)		1mth	3mth	YTD	1Yr	3Yr	5Yr	10Yr	Since Inception	Expense Ratio**(%)	Morningstar Category*7
Standard & Poor's 500 Stock In	S&P500	-	-	-	1.41	2.57	8.67	17.47	10.14	15.42	6.94	-	-	-
Barclay's Capital Gov't/Corp.	Barclay's Capital	-	-	-	0.83	1.57	2.63	1.75	2.59	2.28	4.54	-	-	-
Lipper International Index	Lipper Intl Index	-	-	-	3.46	10.10	15.20	17.17	2.40	10.07	1.81	-	-	-
RUSSELL 2000 INDEX	Russell 2000 TR	-	-	-	-2.03	-0.83	1.48	20.37	8.00	14.04	6.40	-	-	-

[palciparum]

My spouse 401K plan is Target Age:

Minnesota Life Guaranteed Return Account 10%
Advantus S&P 500/Citigroup Growth 27%
DFA US Large Cap Value I 27%
Janus Henderson Triton NDFA US Large Cap Value I 9%
DFA US Targeted Value 9%
T. Rowe Price International Stock 9%
Dodge & Cox International Stock 9%

Plan Options are:

Investment	Crediting rate	Expense
Stable Value
Minnesota Life Guaranteed Return Account26	1.50	0.49

Investment	YTD	1 yr	3 yr	5 yr	10 yr	Expense
General Bond
Templeton Global Bond A10,14,15,20	2.61	10.23	1.00	4.31	5.98	0.87
Hotchkis & Wiley High Yield I10,14,15,20	5.25	14.90	3.89	6.96	—	1.04
Dodge & Cox Income14,20	2.42	4.24	2.47	3.03	4.55	0.84
US Stock
Advantus S&P 500® Index20,21,24	8.39	16.78	9.50	14.67	6.19	0.53
Janus Opportunistic Growth3,10,16,20,22	14.42	16.48	10.58	15.73	9.81	0.89
Advantus S&P 500/Citigroup Growth1,20,21,24	13.46	18.60	11.24	15.34	8.00	0.59
DFA US Large Cap Value I20,23	3.89	18.18	7.41	16.32	5.21	0.76
Dodge & Cox Stock10,20	5.13	22.99	8.56	16.75	4.99	0.91
DFA US Social Core Equity 2 Portfolio9,17,19,23	4.24	17.58	6.68	13.90	—	0.77
American Century Equity Income R67,9,20	4.92	13.89	9.94	12.98	6.32	1.08
Vanguard Extended Market Index Admiral2,9,20,25	4.71	18.12	7.10	13.89	6.57	0.57
Janus Henderson Triton N6,9,20	10.82	17.40	11.01	14.90	10.65	1.17
DFA US Targeted Value I9,20,23	-3.83	15.42	4.88	14.05	5.36	0.86
DFA US Small Cap I9,20,23	-0.87	17.27	7.44	14.33	6.85	0.86
International Stock
Vanguard Total Intl Stock Index Admiral4,10,16,20,25	13.98	17.79	1.31	8.27	0.54	0.55
T. Rowe Price International Stock I8,10,16,20	17.89	18.68	3.97	9.48	2.40	1.13
DFA International Small Company I9,10,20,23	15.03	17.50	4.37	12.32	2.94	0.96
Dodge & Cox International Stock10,20	14.69	25.52	0.76	11.27	1.93	0.96
Strategic / Alternatives
DFA Commodity Strategy Institutional10,13,14,18,19,20,23	-4.17	-0.95	-13.63	-7.18	—	0.82
T. Rowe Price Health Sciences13,20	12.89	9.28	11.79	20.64	13.92	1.11
Vanguard REIT Index Admiral5,11,14,19,25	0.26	2.15	7.18	9.42	4.25	0.61
Balanced
PineBridge Dynamic Asset Allc Instl9,10,11,12,14,15,16,19,20	5.34	6.29	2.17	6.15	5.63	1.03

 

[palciparum]

Can you please help me build my portfolio with above 401K plans - how to reallocate them and then how to allocate $40K in Vanguard Mutual Index fund - among their various funds (opened the account but not invested yet as I want to hear from the Forum)?

I have opened HSA Bank - TD Ameritrade account - have $3000 but putting that in above mix confuses me more!

Thanks

[hightower]

Pay no attention to Crixus...he's "special."

 

Your planned allocation is perfectly acceptable.

[palciparum]

hightower wrote:

Pay no attention to Crixus…he’s “special.”

 

Your planned allocation is perfectly acceptable.

Click to expand...

I edited...I also pay extra 1% to J Hancock

So I should continue with JH Multimanager Balanced LS and my Spouse with Target Age.

What about 40K that I want to invest in Vanguard? How to allocate that?

[childay]

Your links don't work.  but it's not that hard mathwise.  You want to look at allocaiton across all accounts.

With your allocation, you need:

120k stock

60k international

20k bond

 

So there are several ways to do it.  But his options generally are worse than your 401k.  For instance you could do:

Her 401k: 60k John Hancock Total Stock, 20k Hancock total bond

His 401k: 20k vanguard total international, 60k either all in the S&P500 fund OR 48k to the s&P500 +12k to the extended market index

Taxable: 40k vanguard total international

 

I don't see a total stock index in his lineup so if you really want total stock market you need to use the extended market index as well.  See here: https://www.bogleheads.org/wiki/Approximating_total_stock_market

 

[palciparum]

childay wrote:

Your links don’t work.  but it’s not that hard mathwise.  You want to look at allocaiton across all accounts.

With your allocation, you need:

120k stock

60k international

20k bond

 

So there are several ways to do it.  But his options generally are worse than your 401k.  For instance you could do:

Her 401k: 60k John Hancock Total Stock, 20k Hancock total bond

His 401k: 20k vanguard total international, 60k either all in the S&P500 fund OR 48k to the s&P500 +12k to the extended market index

Taxable: 40k vanguard total international

 

I don’t see a total stock index in his lineup so if you really want total stock market you need to use the extended market index as well.  See here: https://www.bogleheads.org/wiki/Approximating_total_stock_market

 

Click to expand...

Thanks for the reply.

To be clear when you say Her 401k: 60k John Hancock Total Stock, 20k Hancock total bond  - do you mean 60K "Large Cap Blend - Total Stock Market Index Fund" managed by John Hancock ER 0.08 and 20K " High Quality Intermediate Term Fixed Income - Total Bond Market Fund- managed by John Hancock, ER 0.06.

[childay]

palciparum wrote:

REPLY | QUOTE

Click to expand...

Yes that is what I meant.  Of course I am just a guy on the internet.  As suggested by others in previous thread you might consider a good flat-fee advisor.  Perhaps more important than the allocation is you appear to be pretty behind in your retirement savings.  You might post a more comprehensive account of your income, expenses, debts etc for more comprehensive advice.

[PhysicianOnFIRE]

Crixus wrote:

Oh dear God! Will the adults please help these poor people from committing financial suicide? The  Vanguard Total Stock Market Index, either the fund or the ETF, have the following as the top 5 holdings. Please people put down the Boglehead books and look at what you are buying. Pull up a chart of just these 5 stocks and ask yourself if you really want to buy at these levels. No wonder these stocks keep going up. 5 years from now just ponder some scenarios in which any of these 5 could be in a much less favorable environment. For instance, Apple has been the preeminent exploiter of the labor/tax/regulatory arbitrage the last 15 years. Uhh, does anybody see any changes to that paradigm on the horizon?

1	Apple Inc.
2	Alphabet Inc.
3	Microsoft Corp.
4	Amazon.com Inc.
5	Facebook Inc.

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Not quite, but as a market cap weighted index, it is technology index heavy. The Top 10 is as follows, more in the attached image. Source: Morningstar

1. Apple


2. Microsoft


3. Amazon


4. Facebook


5. Johnson & Johnson


6. Exxon


7. Berkshire Hathaway


8. Alphabet A


9. JP Morgan Chase


10. Alphabet C

OP, sorry I didn't address the question at hand. I saw misinformation and wanted to address.