Looking for advice

[jenn10md]

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.

[Miss Bonnie MD]

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.

[jenn10md]

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.