Author Topic: 401k allocation help please  (Read 379 times)


  • 5 O'Clock Shadow
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  • Posts: 1
401k allocation help please
« on: March 19, 2019, 12:18:53 PM »
hi all-

newbie here but have been reading this forum for months now.   really enjoy the conversation.   

my company just started offering some better choices in 401k.  I previously had SOME vanguard choices but those just became better.    I have roughly 10-15% bonds in my roth/ira so I'm not sure i need bonds in 401k unless you guys and gals have other thoughts.

i'm 40 years old, plan to work for at least another 20 years if not more. I max out my ira/roth, have a smaller taxable account at vanguard all in VTSAX, emergency fund good to go.

i'm at 10% in my 401k working towards maxing it out.   company matches 4%.   this is through Merrill Lynch.

Stock choices:

Bond choices:

Target Retirement choices:

I was thinking

VINIX - 70%
VFWAX - 15%
VEXAX - 15%

I know S&P has plenty of foreign revenue too but wanted some help/advice on what to do.


thanks in advance!

« Last Edit: March 19, 2019, 12:53:33 PM by augustwest »


  • Bristles
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  • Posts: 361
  • Location: St. Louis
Re: 401k allocation help please
« Reply #1 on: March 19, 2019, 12:50:28 PM »
My thoughts would be to look at all of your accounts as one combined portfolio, and make sure your asset allocation is where you want it.

It looks like a your 70% VINIX and 15% VEXAX gives you roughly total US market, so that looks fine. If 15% international and however much in bonds in your other accounts gives you your desired asset allocation, looks good to me.