The Money Mustache Community
Learning, Sharing, and Teaching => Investor Alley => Topic started by: augustwest on March 19, 2019, 12:18:53 PM
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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:
VEXAX
VFWAX
VINIX
Bond choices:
VBTLX
Target Retirement choices:
2040
2045
2050
2055
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.
thoughts?
thanks in advance!
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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.