I'm finally ready to graduate from Vanguard target funds and do some manual asset allocation. Wanted any advice, criticisms, etc:
I'm 38 and planning on working for a long time - may eventually do part time though.
Overall, this is what I was looking for:
10% REIT
10% Bonds
20% International
60% US Total stock market
403b through work, generous company match:
Total stock:
56% - Vanguard Institutional Index Instl Pl VIIIX 0.02%
14% - Vanguard Extended Market Index I VIEIX 0.12%
(4:1 ratio) to mimic total stock market fund
International:
20% - Vanguard FTSE All‐World ex‐US Index Inst VFWSX 0.12%
Bond:
10% - Vanguard Total Bond Market Index InstlPls VBMPX 0.05%
**I also have access to a non-govt 457b, same funds as my 403b, same expense ratios. Haven't started contributing to this but will in the future, not to the max tho - maybe 6-10K a year, and then put any extra into a taxable.
Roth IRA @ Vanguard (% approx, will need to rebalance yearly as the 403b will grow at a much faster rate)
40% - Vanguard REIT Index Fund Investor Shares (VGSIX) 0.26%
40% - Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) 0.17%
10% - Vanguard Total International Stock Index Fund Investor Shares (VGTSX) 0.22%
*will be using the admiral shares for these, so the expense ratios are actually lower
Not quite ready to do a taxable, but once I am, was thinking these two:
Vanguard Total Stock Market Index Fund Investor Shares (VTSMX)
Vanguard Total International Stock Index Fund Investor Shares (VGTSX)
I'm 38 and planning on working for a long time - may eventually do part time though.
Overall, this is what I was looking for:
10% REIT
10% Bonds
20% International
60% US Total stock market
403b through work, generous company match:
Total stock:
56% - Vanguard Institutional Index Instl Pl VIIIX 0.02%
14% - Vanguard Extended Market Index I VIEIX 0.12%
(4:1 ratio) to mimic total stock market fund
International:
20% - Vanguard FTSE All‐World ex‐US Index Inst VFWSX 0.12%
Bond:
10% - Vanguard Total Bond Market Index InstlPls VBMPX 0.05%
**I also have access to a non-govt 457b, same funds as my 403b, same expense ratios. Haven't started contributing to this but will in the future, not to the max tho - maybe 6-10K a year, and then put any extra into a taxable.
Roth IRA @ Vanguard (% approx, will need to rebalance yearly as the 403b will grow at a much faster rate)
40% - Vanguard REIT Index Fund Investor Shares (VGSIX) 0.26%
40% - Vanguard Total Stock Market Index Fund Investor Shares (VTSMX) 0.17%
10% - Vanguard Total International Stock Index Fund Investor Shares (VGTSX) 0.22%
*will be using the admiral shares for these, so the expense ratios are actually lower
Not quite ready to do a taxable, but once I am, was thinking these two:
Vanguard Total Stock Market Index Fund Investor Shares (VTSMX)
Vanguard Total International Stock Index Fund Investor Shares (VGTSX)
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