Fund | Percentage of My Portfolio | Expense Ratio | Allocation |
AMCAP Fund | 16% | 1.51% | U.S. Equities 78.9% Non-U.S. Equities 5.7% Cash & Equivalents 15.4% |
American Balanced Fund | 8% | 1.41% | U.S. Equities 60.9% Non-U.S. Equities 6.0% U.S. Bonds 24.9% Non-U.S. Bonds 2.9% Cash & Equivalents 5.3% |
American High-Income Trust | 7% | 1.46% | U.S. Equities 2.8% Non-U.S. Equities 0.6% U.S. Bonds 71.0% Non-U.S. Bonds 20.8% Cash & Equivalents 4.8% |
The Bond Fund of America | 7% | 1.41% | U.S. Equities 0.1% U.S. Bonds 83.6% Non-U.S. Bonds 12.6% Cash & Equivalents 3.7% |
Capital World Bond Fund | 7% | 1.70% | U.S. Bonds 40.9% Non-U.S. Bonds 54.9% Cash & Equivalents 4.2% |
Capital World Growth and Income Fund | 8% | 1.60% | U.S. Equities 40.7% Non-U.S. Equities 53.3% U.S. Bonds 0.3% Non-U.S. Bonds 0.5% Cash & Equivalents 5.2% |
EuroPacific Growth Fund | 1% | 1.62% | U.S. Equities 2.1% Non-U.S. Equities 85.5% U.S. Bonds 0.5% Non-U.S. Bonds 0.1% Cash & Equivalents 11.8% |
The Growth Fund of America | 8% | 1.45% | U.S. Equities 80.8% Non-U.S. Equities 10.2% U.S. Bonds 0.2% Cash & Equivalents 8.8% |
New Perspective Fund | 6% | 1.55% | U.S. Equities 47.4% Non-U.S. Equities 44.8% U.S. Bonds 0.2% Cash & Equivalents 7.6% |
New World Fund | 5% | 1.84% | U.S. Equities 12.5% Non-U.S. Equities 66.3% U.S. Bonds 0.7% Non-U.S. Bonds 9.6% Cash & Equivalents 10.9% |
SMALLCAP World Fund | 1% | 1.87% | U.S. Equities 49.9% Non-U.S. Equities 44.0% U.S. Bonds 0.3% Cash & Equivalents 5.8% |
U.S. Government Securities Fund | 7% | 1.43% | U.S. Bonds 96.5% Cash & Equivalents 3.5% |
Washington Mutual Investors Fund | 16% | 1.39% | U.S. Equities 89.6%, Non-U.S. Equities 6.7%, Cash & Equivalents 3.7% |
Fund | Percentage of My Portfolio | Expense Ratio(%) | Allocation |
BlackRock US Debt Index-W | 15% | 0.05 | Bonds 83.8 Cash 16.1 |
BlackRock Russell 1000 Index-M | 15% | 0.02 | U.S. Stocks 98.5 Non-U.S. Stocks 1.0 |
BlackRock Russell 2000 Index-M | 15% | 0.06 | U.S. Stocks 93.6 Non-U.S. Stocks 1.1 Cash 4.2 Other 1.1 |
PIMCO Global Bond (Unhedged)-Inst | 10% | 0.56 | Cash 49.7 Stocks 0.0 Bonds 44.1 Other 6.2 |
T Rowe Price Blue Chip Growth Trust-T2 | 15% | 0.45 | U.S. Stocks 92.7 Non-U.S. Stocks 7.3 |
DFA U.S. Small Cap-I | 10% | 0.37 | Cash 1.1 Stocks 98.8 Foreign Stocks 0.6 |
American Funds New Perspective-R6 | 5% | 0.45 | Cash 8.1 Stocks 91.7 Bonds 0.2 Foreign Stocks 49.1 |
Thornburg International Equity | 15% | 0.6 | U.S. Stocks 7.8 Non-U.S. Stocks 87.6 Cash 4.6 |
Templeton International Smaller Companies-A2 | 5% | 0.95 | U.S. Stocks 2.7 Non-U.S. Stocks 87.1 Cash 5.2 Other 5.1 |
...I'm not really sure why I'm invested in such a wide range of funds...
How would you proceed?
Not that I disagree with what has already been posted, but if this is your inlaw's financial guy, are you in a position to leave him? Is there some family dynamic that would be amiss if you leave? Financially, it is better to leave, for you and your inlaws, but sometimes "liking" a guy is the most important reason to hire an advisor for some people. You moving for smart reasons could be taken as telling the inlaws that they have been "dumb" in some family dynamics I have seen. If you have these dynamics, it might be better off to keep what you have there, or at least token amounts, and start new accounts elsewhere.
Not that I disagree with what has already been posted, but if this is your inlaw's financial guy, are you in a position to leave him? Is there some family dynamic that would be amiss if you leave? Financially, it is better to leave, for you and your inlaws, but sometimes "liking" a guy is the most important reason to hire an advisor for some people. You moving for smart reasons could be taken as telling the inlaws that they have been "dumb" in some family dynamics I have seen. If you have these dynamics, it might be better off to keep what you have there, or at least token amounts, and start new accounts elsewhere.
Not that I disagree with what has already been posted, but if this is your inlaw's financial guy, are you in a position to leave him? Is there some family dynamic that would be amiss if you leave? Financially, it is better to leave, for you and your inlaws, but sometimes "liking" a guy is the most important reason to hire an advisor for some people. You moving for smart reasons could be taken as telling the inlaws that they have been "dumb" in some family dynamics I have seen. If you have these dynamics, it might be better off to keep what you have there, or at least token amounts, and start new accounts elsewhere.
...
I was wondering one thing...
I'm thinking of investing in a three fund portfolio (VTI, VTXUS, and BND). Since people typically split investments between domestic and international stocks, do they do the same with bonds? I saw Vanguard has a Total International Bond fund as well and was wondering whether adding it as a fourth would be a good idea.
Thanks again, everyone.
That seems like a standard EJ portfolio?
I was wondering one thing...
I'm thinking of investing in a three fund portfolio (VTI, VTXUS, and BND). Since people typically split investments between domestic and international stocks, do they do the same with bonds? I saw Vanguard has a Total International Bond fund as well and was wondering whether adding it as a fourth would be a good idea.