Last year, I moved all of our retirement accounts from managed accounts to various index funds at Vanguard. I didn't really have a plan other than get into indexes, so I don't have a plan moving forward. My work 401k just opened up some lower-cost fund options, so it's a good time to evaluate. Here's my questions:
- Since both DH and I are in indexes (which are inherently diversified), do we need to do anything to diversify between us?
- Do we have too much bond exposure? I'm 35, he's 38, but not investing anything new into those funds. I arbitrarily went for 10k on mine just to get Admiral rates
Here's where we're at now:
Husband SEP - 25k (contributes 3-4k/year)
VTSAX Total Stock Market Index (Admiral .05%) 20k
VBLTX Long Term Bond Index (.20%) 5k
Husband Roth - 22k (contributing max, if we don't exceed income limit)
VFIAX 500 Index (Admiral .05%) 16k
VGTSX Total Intl Stock Index (.22%) 6k
My SEP - 20k (no new contributions)
VBTLX Total Bond Index (Admiral .08%) 10k
VTSAX Total Stock Market Index (Admiral .05%) 10k
My Roth - 17k (contributing max, if we don't exceed income limit)
Betterment - 90/10 split 17k
My 401k - 11k (maxing - 18,000 + 4,000 employer contribution)
Dreyfus 500 Index (.20%) 10k
Vanguard Developed Markets (.20%) 1k
Lowest cost new fund options: Vanguard 500 Index (0.05%), Vanguard Mid Cap and Vanguard Small Cap index (0.09)
Brokerage (contributing 10k/year)
VTSAX (Admiral .05%) 15k