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Message
Help with my investments, they are doing poorly
Posted on 4/20/16 at 11:18 pm
Posted on 4/20/16 at 11:18 pm
I have been with an advisor for a major firm (not EJ or Ameriprise) for the last three or four years for two Roth IRAs. I think they are doing poorly.
I'm looking at the date range from January 2014 to today and here's what's going on.
- $40k in two Roth IRAs that have not grown at all since January 2014. I put a hold on contributions to take care of some other things between then and now. I actually lost a few hundred dollars. ERs on these are near 0.90.
- My work 401(k) has had an investment performance of around 15% during this same time period (I never stopped putting in FYI, but this is performance I'm talking about, not overall growth).
- The S&P 500 is up around 15% during this same time period.
What is the best way to explain the zero performance of the ROTH IRAs, when I'm clearly getting a good performance out of my 401(k)? What should I do about this? I have a meeting with the advisor next week.
I'm looking at the date range from January 2014 to today and here's what's going on.
- $40k in two Roth IRAs that have not grown at all since January 2014. I put a hold on contributions to take care of some other things between then and now. I actually lost a few hundred dollars. ERs on these are near 0.90.
- My work 401(k) has had an investment performance of around 15% during this same time period (I never stopped putting in FYI, but this is performance I'm talking about, not overall growth).
- The S&P 500 is up around 15% during this same time period.
What is the best way to explain the zero performance of the ROTH IRAs, when I'm clearly getting a good performance out of my 401(k)? What should I do about this? I have a meeting with the advisor next week.
2
Posted on 4/20/16 at 11:46 pm to meeple
VTSMX 20%
VIGRX 20%
VMGIX 20%
VISGX 20%
VWIGX 20%
contribute equally to all monthly. once to get $10,000 in each, switch to A shares.
do all of this through a vanguard tax sheltered account.
what funds were held in the 2 roth IRA's?
fire you advisor.
VIGRX 20%
VMGIX 20%
VISGX 20%
VWIGX 20%
contribute equally to all monthly. once to get $10,000 in each, switch to A shares.
do all of this through a vanguard tax sheltered account.
what funds were held in the 2 roth IRA's?
fire you advisor.
Posted on 4/21/16 at 12:41 am to meeple
quote:
What should I do about this? I have a meeting with the advisor next week.
Figure out what you are invested in and read about why it hasn't kept pace with the S&P500
quote:
Help with my investments
If a financial advisor has good investment picks, better than the market, he wouldn't be helping manage only $40k in assets.
Most people suggest doing a basic portfolio that tracks a few major indexes and exposes you to a lot of the market is the smart move.
Historically, they seem to be correct.
Posted on 4/21/16 at 8:22 am to white perch
quote:
VTSMX 20%
VIGRX 20%
VMGIX 20%
VISGX 20%
VWIGX 20%
It looks like these require around $3K initial buy-in, assuming I transferred everything over. What are some funds that I should get started in, if I were starting from scratch?
quote:
do all of this through a vanguard tax sheltered account.
What do you mean by this, just a Roth IRA?
This post was edited on 4/21/16 at 8:34 am
Posted on 4/21/16 at 7:50 pm to meeple
quote:
It looks like these require around $3K initial buy-in, assuming I transferred everything over. What are some funds that I should get started in, if I were starting from scratch?
this really depends on your time horizon. I've got 30 years before I retire so I'm 100% stock right now. Your stock/bond ration really depends on how soon you'll need to start withdrawing the money.
quote:
What do you mean by this, just a Roth IRA?
I have an SEP-IRA with vanguard, but this is my main retirement saving vehicle.
Posted on 4/22/16 at 11:59 am to white perch
You should be able to look at the funds that you own online, or at least get a statement from them. It should be fairly normal stuff as said before:
25-50% American large cap
15-25% american small cap
10-30% international
0-20% bond funds
0-10% odd funds (healthcare or O&G, etc.)
If you own a large percentage of something that is very particular, then I'd seriously question that.
Most people would be just fine owning 4 funds:
40-60% American Large Cap
20-30% American Small cap
20-30% International
10-20% Bond fund
When you go beyond that, its because you have special interest in things or are getting more complicated to hopefully make more money. If you are making less, than you are getting poor advice that you are paying for.
Personally, I'd bring in your 401k and have them explain the differences. It could be a simple logical reason, but if its a bunch of BS tell them you are closing your account and transfer it to someone else.
25-50% American large cap
15-25% american small cap
10-30% international
0-20% bond funds
0-10% odd funds (healthcare or O&G, etc.)
If you own a large percentage of something that is very particular, then I'd seriously question that.
Most people would be just fine owning 4 funds:
40-60% American Large Cap
20-30% American Small cap
20-30% International
10-20% Bond fund
When you go beyond that, its because you have special interest in things or are getting more complicated to hopefully make more money. If you are making less, than you are getting poor advice that you are paying for.
Personally, I'd bring in your 401k and have them explain the differences. It could be a simple logical reason, but if its a bunch of BS tell them you are closing your account and transfer it to someone else.
This post was edited on 4/22/16 at 12:00 pm
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