Dear WCI Community,
I want to pick your brains and I am open to suggestions regarding my retirement allocation.
Short story about me: 3 years post graduation, no debt except Mortgage, House 1.3x my gross salary, saving about ~20-25% of gross/year (in 401, backdoor, HSA, etc, 2 kids – 529 for each).
The options I have for my retirement (401 + match = 53k/year) are:
expense ratio
0.52% Dodge & Cox Stock
0.56% T. Rowe Price Instl Large Cap Growth
0.04% Vanguard Institutional Index I
0.82% American Beacon Small Cp Val Inst
0.07% Vanguard Extended Market Idx I
1.25% William Blair Small Cap Growth I
0.64% Dodge & Cox International Stock
0.1% Vanguard Total Intl Stock Index I
0.41% JPMorgan Core Bond R6
0.05% Vanguard Total Bond Market Index I
(none of the above have 12b fees)
The questions, is what kind of distribution would you recommend me?
Should I stick only with low cost vanguard?
For instance
37% on Vanguard Institutional Index I
12% on Vanguard Extended Market Idx I
36% Vanguard Total Intl Stock Index I
15% Vanguard Total Bond Market Index I
Or mix it up? Including non vanguard funds?
Thanks for your help
I want to pick your brains and I am open to suggestions regarding my retirement allocation.
Short story about me: 3 years post graduation, no debt except Mortgage, House 1.3x my gross salary, saving about ~20-25% of gross/year (in 401, backdoor, HSA, etc, 2 kids – 529 for each).
The options I have for my retirement (401 + match = 53k/year) are:
expense ratio
0.52% Dodge & Cox Stock
0.56% T. Rowe Price Instl Large Cap Growth
0.04% Vanguard Institutional Index I
0.82% American Beacon Small Cp Val Inst
0.07% Vanguard Extended Market Idx I
1.25% William Blair Small Cap Growth I
0.64% Dodge & Cox International Stock
0.1% Vanguard Total Intl Stock Index I
0.41% JPMorgan Core Bond R6
0.05% Vanguard Total Bond Market Index I
(none of the above have 12b fees)
The questions, is what kind of distribution would you recommend me?
Should I stick only with low cost vanguard?
For instance
37% on Vanguard Institutional Index I
12% on Vanguard Extended Market Idx I
36% Vanguard Total Intl Stock Index I
15% Vanguard Total Bond Market Index I
Or mix it up? Including non vanguard funds?
Thanks for your help
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