Hi all,
I have always planned on going with the 3 fund portfolio approach however with the lower balance of our accounts I simply went with target funds that were close to our AA.
The 3 funds I am interested in are below however I do not have these in all of our different accounts so would like to get as close as possible.
Vanguard Total Stock Market Index Fund (VTSMX)
Vanguard Total International Stock Index Fund (VGTSX)
Vanguard Total Bond Market Fund (VBMFX)
The issue I am having currently is we have 4 different accounts and I would like to look at them as 1 big portfolio if possible. I am not sure which accounts are best suited for which investments and my wifes new 401k starts next month with new options. Her new 401k is through prudential and I am not sure the best option I was leaning towards ( DSPIX ) which is 100% US stocks thus I would need to make up the bond allocation in another account and was unsure where or which one would be best for this my 403b vs Roth IRAs.
Lastly maybe this is all a waste of time with such a small balance and we should continue to just invest in target style funds that are close to the desired AA?
Total Portfolio = 101,760~$
I would like to have a 80/20 AA (with about 20% in international stocks and maybe 5% international bonds) thus 81,408 Stocks and 20,352 Bonds
TSA 403B 29,660$ (Him) Current KPRFX VANGUARD
Vanguard FTSE Social Index Fund Institutional Shares VFTNX
Vanguard Institutional Total Stock Market Index Fund Institutional Plus Shares VITPX
Vanguard International Growth Fund Admiral Shares VWILX
Vanguard PRIMECAP Fund Admiral Shares VPMAX
Vanguard Total Bond Market Index Fund Institutional Plus Shares VBMPX
Vanguard Value Index Fund Institutional Shares VIVIX
Vanguard Wellington Fund Admiral Shares VWENX
Roth - IRA 31,600 (Him) Current - target 2030 VANGUARD
Vanguard Total Stock Market Index Fund (VTSMX)
Vanguard Total International Stock Index Fund (VGTSX)
Vanguard Total Bond Market Fund (VBMFX)
Roth - IRA 26,800 (Her) Current - target 2030 VANGUARD
Vanguard Total Stock Market Index Fund (VTSMX)
Vanguard Total International Stock Index Fund (VGTSX)
Vanguard Total Bond Market Fund (VBMFX)
401K - 16,700(Her) PRUDENTIAL
T. Rowe Price Personal Strat Bal ( TRPBX ) 0.87
T. Rowe Price Personal Strat Inc ( PRSIX ) 0.75
T. Rowe Price Personal Strat Gr ( TRSGX ) 0.88
Dreyfus Instl S&P 500 Stock Index I ( DSPIX ) 0.21
JPMorgan Large Cap Growth I ( SEEGX ) 0.85
Dreyfus Mid Cap Index Inv ( PESPX ) 0.51
Oppenheimer Discovery Y ( ODIYX ) 0.87
Thanks!