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Looking for advice

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  • #16
    Thank you. I will definitely work on making some changes. The tIRA and 403 are my main vehicles. I have a small amount of shares in Berkshire and Pfizer at about 30k. Was thinking of using some of that to pay off 15 k student loan. Still have to contribute to 457.


    • #17
      My actual allocation across all accounts:

      Vanguard Institutional Index Fund (large caps) 40% VIIIX
      Vanguard Extended Market Index Fund (small & mid caps) 20% VIEIX
      Vanguard FTSE All-World ex-US Index Fund 12% VFWSX
      Lazard Emerging Markets 12% LZEMX
      Vanguard Small-Cap Value Index Fund 8% VSIAX
      Vanguard REIT Index Fund 8% VGSIX


      I had a slightly different allocation last yr, but similar and made ~ 12%. It was a good year tho so most ppl did well.

      Remember, just pick an allocation and stick to it.


      • #18
        Thank you for that info Bonnie. Do you know if there are extra fees that transamerica adds to these funds. Was wondering if there might be less fees involvedif I open a new IRA at vanguard directly rather than rollover to the 403b.