The Money Mustache Community
Learning, Sharing, and Teaching => Investor Alley => Topic started by: beesquared on August 10, 2015, 08:55:20 PM
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Started a new job this week and I (35 year old) am having to roll my current 401k into a new plan. Currently have about 150k in Vanguard Target Retirement 2045 Fund Investor Shares VTIVX. I need to choose allocation for future contributions. My choices are in an image below. Thanks for the help!
(http://s4.postimg.org/g7jsdg2il/fund_pic.jpg)
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I'd probably put new contributions into Vanguard Institutional Index and roll the old 401k into an IRA at Vanguard. Then you could hold your small/mid cap stocks, international stocks, and bonds in your IRA.
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I'd probably put new contributions into Vanguard Institutional Index and roll the old 401k into an IRA at Vanguard. Then you could hold your small/mid cap stocks, international stocks, and bonds in your IRA.
Exactly what I'd do.
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Thanks for the help!
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I'd probably put new contributions into Vanguard Institutional Index and roll the old 401k into an IRA at Vanguard. Then you could hold your small/mid cap stocks, international stocks, and bonds in your IRA.
Exactly what I'd do.
Yep, or close enough that it's not worrying about.
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The only other suggestion I can think of is to also have VFIAX in the rollover IRA to start with to keep your asset allocation as desired. Then, as you contribute to Vanguard Institutional Index I in your 401k you can exchange VFIAX for small/mid cap stocks, international stocks, and bonds in your IRA. You can do an automatic exchange so it is on "auto pilot" or rebalance manually when desired.