So I recently went from a 1% AUM advisor to doing things on my own. I had been very hands off with the money when I was paying the 1% fee. Now, I'm looking a bit more.
Some questions: 1) Should my IRA's ever have plain cash in them? Can't see a reason, there's 1-2 K there.
2) How to simplify funds. We have lots of positions scattered across Roth, Traditional, taxable account, etc.
I've kept things simple in my TSP & work 401K (just target retirement, to be easy).
I've got: EFA, SCZ, SCHE, RWX (eafe, eafe small, emerging markets, dow jones respectively).
AQR futures, small cap momentum
DFA DFAPX (investment grade bond); DFA large value, micro cap
Gateway fund
We haven't hit my wife's IRA & roth IRA. You get the idea.
I can't buy more DFA now that I don't have an advisor, so I'm inclined to just let that ride. And, I think I could just let this ride for a good 3-6 months absent something dramatic in the market. But I could certainly simplify a lot.
Thoughts?
Some questions: 1) Should my IRA's ever have plain cash in them? Can't see a reason, there's 1-2 K there.
2) How to simplify funds. We have lots of positions scattered across Roth, Traditional, taxable account, etc.
I've kept things simple in my TSP & work 401K (just target retirement, to be easy).
I've got: EFA, SCZ, SCHE, RWX (eafe, eafe small, emerging markets, dow jones respectively).
AQR futures, small cap momentum
DFA DFAPX (investment grade bond); DFA large value, micro cap
Gateway fund
We haven't hit my wife's IRA & roth IRA. You get the idea.
I can't buy more DFA now that I don't have an advisor, so I'm inclined to just let that ride. And, I think I could just let this ride for a good 3-6 months absent something dramatic in the market. But I could certainly simplify a lot.
Thoughts?
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