Poll

What equity funds would you pick?

DFA U.S. Targeted Value Portfolio    Institutional    DFFVX
Dodge & Cox International Stock Fund    N/A    DODFX
Dreyfus Global Stock Fund    I    DGLRX
Lord Abbett Developing Growth Fund    I    LADYX
Neuberger Berman Socially Responsive Fund    Institutional    NBSLX
T. Rowe Price Institutional Large Cap Growth Fund    Institutional    TRLGX
T. Rowe Price Institutional Large Cap Value Fund    N/A    TILCX
Vanguard Extended Market Index Fund    Institutional    VIEIX
Vanguard Institutional Index Fund    Institutional    VINIX
Vanguard Total International Stock Index Fund    Institutional    VTSNX
Vanguard Total Stock Market Index Fund    Institutional    VITSX

Author Topic: What should my husband invest in?  (Read 3128 times)

Gin1984

  • Magnum Stache
  • ******
  • Posts: 4877
What should my husband invest in?
« on: August 26, 2014, 01:54:16 PM »
My husband starts a new job on Tuesday and I was just looking at his 403b options.  As I was picking out the funds, I got curious on what others would pick.  My husband is 32 and I am 29.  We don't plan to retire until I am 55, but hope for FI much sooner.

Thegoblinchief

  • Guest
Re: What should my husband invest in?
« Reply #1 on: August 26, 2014, 02:08:45 PM »
80% into one of the domestic Vanguard options, and 20% into the Vanguard international one.

That's what I've got my wife in, only it's the Fidelity Spartan equivalents.

Another Reader

  • Walrus Stache
  • *******
  • Posts: 5225
Re: What should my husband invest in?
« Reply #2 on: August 26, 2014, 02:09:41 PM »
I checked all four Vanguard funds, but you need to apply your asset allocation to determine the percentages.  I would also look at the DFA value fund and the two T. Rowe Price funds.  Dodge and Cox used to be a good fund family, not sure about the international fund today.  The easy way is just to apply your allocation over the Vanguard funds and expect average market returns.

AssetGrinder

  • Stubble
  • **
  • Posts: 114
  • Location: Victoria BC Canada
    • Asset-Grinder Finance Blog
Re: What should my husband invest in?
« Reply #3 on: August 26, 2014, 05:52:49 PM »
I voted for Vanguard total market fund. Its a no brainer low cost fund that pretty much captures the entire market.

I have had DFA funds before but I got rid of them due to their higher fees

Left

  • Handlebar Stache
  • *****
  • Posts: 1157
Re: What should my husband invest in?
« Reply #4 on: August 26, 2014, 06:10:03 PM »
I had the dodge and cox before at old job, it wasn't  bad but it wasn't great either, it returned a bit more but the fees on it were a bit more, I switched out of it and I haven't seen a difference in returns (but I have since left job and moved money to index funds)

Beric01

  • Handlebar Stache
  • *****
  • Posts: 1156
  • Age: 31
  • Location: SF Bay Area
  • Law-abiding cyclist
Re: What should my husband invest in?
« Reply #5 on: August 26, 2014, 06:11:07 PM »
Bummer, no Vanguard Total Bond Market?

I would do the bottom two funds (domestic and international), and buy a total Bond fund in your Roth IRA (open one up at Vanguard). Then you can get yourself a nice Three-fund portfolio.

Gin1984

  • Magnum Stache
  • ******
  • Posts: 4877
Re: What should my husband invest in?
« Reply #6 on: August 26, 2014, 06:14:56 PM »
Bummer, no Vanguard Total Bond Market?

I would do the bottom two funds (domestic and international), and buy a total Bond fund in your Roth IRA (open one up at Vanguard). Then you can get yourself a nice Three-fund portfolio.
They do have a bond fund, but I do have other accounts open and given my age, I am not that interested in bond funds.

GGNoob

  • Pencil Stache
  • ****
  • Posts: 726
  • Age: 34
  • Location: Colorado
Re: What should my husband invest in?
« Reply #7 on: August 27, 2014, 11:24:19 AM »
I would do something like 70% Total US Stock Market Index and 30% Total International Stock Market Index. Anything from 50 US / 50 Int to 80 US / 20 Int would work fine.