Need help with 403b allocations

[lmk1966]

I am 50 yo with 80k in 403b (maximized, but started late in life)

My Investments as of right now:

Vnguard Institutional Index 33.20%
Vnguard Index Trust Small Cap Idx Instl 32.60%
Lincoln Stable Value Account -Z89 16.96%
AM Fds EuroPacific Growth 8.63%
Dodg Cx International Stock Fund 8.61%

Recently elections were changed to more "aggressive "style and are as follow:

Vnguard Index Trust Small Cap Idx Instl 40.00%     (expense ration 0.07%)
Vnguard Institutional Index 40.00%                       (0.04%)
AM Fds EuroPacific Growth 10.00%                        (o.5%)
Dodg Cx International Stock Fund 10.00%              (0.64%)

Unfortunately I am seeing that as of right now my account has $79,957.97 with Personal rate of return 0.54%
Date Range
01/01/2017 - 02/28/2017

What is wrong with this picture???

Available options through Lincoln Financial:

Vnguard Institutional Index
Ticker: VINIX
Vnguard Index Trust Small Cap Idx Instl
Ticker: VSCIX
AM Fds EuroPacific Growth
Ticker: RERGX
Dodg Cx International Stock Fund
Ticker: DODFX
Amrtrde Self Directed Brokerage Account
Calvert Equity I
Ticker: CEYIX
DFA US Small Cap Value I
Ticker: DFSVX
Dryfs Research Growth
Ticker: DWOIX
Gmo Benchmark Free Allocation Series
Ticker: GBMRX
J Hancock 3 Discipline Value
Ticker: JVLIX
Janus Flexible Bond
Ticker: JFLEX
Jpm Sr 2020
Ticker: JTTIX
Jpm Sr 2025
Ticker: JNSIX
Jpm Sr 2030
Ticker: JSMIX
Jpm Sr 2035
Ticker: SRJIX
Jpm Sr 2040
Ticker: SMTIX
Jpm Sr 2045
Ticker: JSAIX
Jpm Sr 2050
Ticker: JTSIX
Jpm Sr 2055
Ticker: JFFIX
Jpm Sr Incm
Ticker: JSIIX
Lincoln Stable Value Account -Z62
Wl Fgo Discovery Instl
Ticker: WFDSX

 

Any suggestions?

[ENT Doc]

Would need to see the overall portfolio, overall asset allocation, know risk profile and years to retirement.  Hard to give focused advice without knowing the big picture.

[KidneyBoy]

Agreed with ENT Doc.

Do you have any investments in a taxable account? Just a thought: the two international funds in your 403b (EuroPacific Growth and Dodge Intl Stock) carry a high expense ratio and don't allow you to qualify for the foreign tax credit being in a tax-sheltered account. If you have a taxable account with lower cost international index fund options, it might be worth putting your international allocation there.

[jsr52]

For your personal rate of return are you looking just the one month you noted or is that your return over a year?
"01/01/2017 – 02/28/2017"

[lmk1966]

it is for 2 months. Is it normal ?

[jsr52]

The S&P was up 1.79% in January, and 3.72% in Feb so .54% seems on the low end, but averaged over the course of a year that would be ~6% rate of return.

[lmk1966]

what is S&P ?

[lmk1966]

Got it...just googled S&P...

[DMFA]

Last week was not great for US equities. But yes, that return percentage is not annualized.

[lmk1966]

so, is 0.54% for 2 months OK?

[Peds]

lmk you are unfortunately asking the wrong questions.

first, what is your overall plan and what assets do you have?

what asset allocation do you want? do you realize with your current mix you will lose about 1/2 in the next downturn....

do you even want international?

then you build a portfolio around that given the puzzle pieces you have.

 

while i could figure out my return, i honestly havent looked in years. because my funds are indexed to track the market. nothing more. nothing less.

[Peds]

so now to answer your ?:

i would do 80:20 institutional and small cap

international is up to you but would go with the full fund of Dodge and Cox, but given the expense i would try and put it elsewhere. otherwise anywhere between 0 and 50% is reasonable if you understand why.

you need fixed income, but how much is the stable value paying? again what other accounts do you have where you could put this?