Author Topic: 401k Allocation Adivce  (Read 2258 times)

beesquared

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401k Allocation Adivce
« on: August 10, 2015, 08:55:20 PM »
Started a new job this week and I (35 year old) am having to roll my current 401k into a new plan.  Currently have about 150k in Vanguard Target Retirement 2045 Fund Investor Shares VTIVX.  I need to choose allocation for future contributions.  My choices are in an image below.  Thanks for the help!

« Last Edit: August 10, 2015, 08:57:18 PM by beesquared »

GGNoob

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401k Allocation Adivce
« Reply #1 on: August 10, 2015, 09:23:54 PM »
I'd probably put new contributions into Vanguard Institutional Index and roll the old 401k into an IRA at Vanguard. Then you could hold your small/mid cap stocks, international stocks, and bonds in your IRA.


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forummm

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Re: 401k Allocation Adivce
« Reply #2 on: August 11, 2015, 05:28:49 AM »
I'd probably put new contributions into Vanguard Institutional Index and roll the old 401k into an IRA at Vanguard. Then you could hold your small/mid cap stocks, international stocks, and bonds in your IRA.

Exactly what I'd do.

beesquared

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Re: 401k Allocation Adivce
« Reply #3 on: August 11, 2015, 10:54:31 AM »
Thanks for the help! 

TomTX

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Re: 401k Allocation Adivce
« Reply #4 on: August 16, 2015, 06:48:49 AM »
I'd probably put new contributions into Vanguard Institutional Index and roll the old 401k into an IRA at Vanguard. Then you could hold your small/mid cap stocks, international stocks, and bonds in your IRA.

Exactly what I'd do.

Yep, or close enough that it's not worrying about.

a1smith

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Re: 401k Allocation Adivce
« Reply #5 on: August 16, 2015, 10:12:31 AM »
The only other suggestion I can think of is to also have VFIAX in the rollover IRA to start with to keep your asset allocation as desired.  Then, as you contribute to Vanguard Institutional Index I in your 401k you can exchange VFIAX for small/mid cap stocks, international stocks, and bonds in your IRA.  You can do an automatic exchange so it is on "auto pilot" or rebalance manually when desired.