Author Topic: New Job, New 401k  (Read 2339 times)

POINTS of ER

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New Job, New 401k
« on: November 18, 2013, 11:11:24 PM »
Hello my fellow mustachians,

I started a new job this past month and I'm in process of setting up my new 401k. Here is a breakdown of what investment choices I have. A little background of me first is that I have no credit card, auto loan, or mortgage debt but I do have $3k in student loans (4.25%). I was thinking of using jlcollinsnh's advice of 50/25/25 split between stock, bond, and REIT. What are some advice for me to go towards?

I haven't done any research on Capital Opportunities and Primecape Core. What are your insight on these investments?

Gross Exp | Name
0.02% | SPTN 500 IDX ADV IS (FXAIX) [50%]
0.05% | VANG TOT BD MK IS PL (VBMPX) [25%]
0.07% | VANG INFL PROT INST (VIPIX)
0.08% | VANG SM VAL IDX INST (VSIIX)
0.08% | VANG REIT IDX INST (VGSNX) [25%]
0.28% | MIP II CL 3
0.41% | VANG CAP OPP ADM (VHCAX)
0.42% | FID FUnd K (FFDKX)
0.46% | PIM TOTAL RT INST (PTTRX)
0.50% | VANG PRIMECAPE CORE (VPCCX)
0.50% | AF NEW PERSPECT R6 (RNPGX)
0.50% | AF EUROPAC GROWTH R6 (RERGX)
0.52% | DODGE & COX STOCK (DODGX)
0.61% | Fid Blue Chip GR K (FBGKX)
0.68% | FID LOW PRICED STK K (FLPKX)
0.70% | FID ASSET MGR 50% (FASMX)
0.77% | FID Growth CO K (FGCKX)
0.80% | TRP NEW HORIZONS (PRNHX)
0.84% | FID DIVERSIFD INTL K (FDIKX)

The rest are Vanguard Target Retirement 20XX

Will

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Re: New Job, New 401k
« Reply #1 on: November 18, 2013, 11:20:13 PM »
How do these choices fit in with your overall AA?  Offhand I would say it looks like you have some awesome choices there and the ones you have made seem to be outstanding!

POINTS of ER

  • 5 O'Clock Shadow
  • *
  • Posts: 38
  • Location: Santa Clara, CA
  • "Save hard, travel far!"
    • Points of Early Retirement
Re: New Job, New 401k
« Reply #2 on: November 18, 2013, 11:34:01 PM »
How do these choices fit in with your overall AA?  Offhand I would say it looks like you have some awesome choices there and the ones you have made seem to be outstanding!

Currently i'm relatively new in the savings game. I did have an old 401k with my former employee, both IRA and ROTH. However, I rolled that into a rollover IRA/ROTH and both are currently set as cash right now. I'm researching right now to trade for mutual funds. As that seems that's the way to go.

I also have an HSA which I contribute at least $135 pretax per paycheck to meet my limit by the end of the year.

I do have what I call a guilt free traveling savings. I put in at least $150 each paycheck and currently it's at $3k balance. I can also utilize this as an emergency fund if need be.

So really my overall AA is mostly cash, 401k, and IRA/ROTH. I'm still young so I don't mind having more risk. I hope that helped a little bit.
« Last Edit: November 18, 2013, 11:37:24 PM by JJtheTravelingFlea »