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Message
Where to allocate newly added rollover funds
Posted on 5/3/17 at 7:41 am
Posted on 5/3/17 at 7:41 am
First off I know I'm lacking major in international so I'm guessing the consensus will be there. But I'll ask anyway.
36 years old. Wife is 33. I realize I don't have any bonds but I'm comfortable with the risk and don't want any right now. Im thinking maybe of adding the funds into a high dividend or value fund since nearly all of my allocation is in large growth. However here it is. This is the allocation between two IRAS and two 401ks
Fidelity BC growth-10%
Vanguard SP 500 growth-40%
Morgan Stanley growth- 10%
Fidelity extended market- 20%
Vanguard extended market- 10%
Fidelity international index-10%
That's the fund breakdown. I also have some Amazon,google, and tesla stock in one of the IRAS. Works out to about 8 percent of the portfolio. I know that's heavy but I don't think I'll ever sell google and Amazon. I plan on having those for as long as I can see.
I have what works out to another 13% being added from a pension rollover.
My head is telling me to bulk up the international. This will be in one of our vanguard IRAS. So I'm guessing international index or maybe rebalancing to where I have some more funds in emerging markets.
Or maybe adding some value or a high dividend ETF or fund.
Just looking for suggestions
36 years old. Wife is 33. I realize I don't have any bonds but I'm comfortable with the risk and don't want any right now. Im thinking maybe of adding the funds into a high dividend or value fund since nearly all of my allocation is in large growth. However here it is. This is the allocation between two IRAS and two 401ks
Fidelity BC growth-10%
Vanguard SP 500 growth-40%
Morgan Stanley growth- 10%
Fidelity extended market- 20%
Vanguard extended market- 10%
Fidelity international index-10%
That's the fund breakdown. I also have some Amazon,google, and tesla stock in one of the IRAS. Works out to about 8 percent of the portfolio. I know that's heavy but I don't think I'll ever sell google and Amazon. I plan on having those for as long as I can see.
I have what works out to another 13% being added from a pension rollover.
My head is telling me to bulk up the international. This will be in one of our vanguard IRAS. So I'm guessing international index or maybe rebalancing to where I have some more funds in emerging markets.
Or maybe adding some value or a high dividend ETF or fund.
Just looking for suggestions
This post was edited on 5/3/17 at 7:43 am
5
Posted on 5/26/17 at 6:48 am to Skeezer
Bump again to see if I can get some insight from someone in here.
Posted on 5/26/17 at 4:45 pm to Skeezer
I have 20% of my portfolio in international (split equally between developed and emerging). I don't know if that's too much or too little.
I try to put as much of international as I can into my taxable acct. If you itemize, you get to take a tax credit for foreign taxes paid (doesn't apply to retirement accts). It's not a whole lot, but might as well take advantage and over time it could add up.
To me where you are lacking is bonds, but I know you said you were comfortable with the risk. Though posts about being 100% stock are more common when the markets are high. Go back to 2008-2009 and it's a different story.
I try to put as much of international as I can into my taxable acct. If you itemize, you get to take a tax credit for foreign taxes paid (doesn't apply to retirement accts). It's not a whole lot, but might as well take advantage and over time it could add up.
To me where you are lacking is bonds, but I know you said you were comfortable with the risk. Though posts about being 100% stock are more common when the markets are high. Go back to 2008-2009 and it's a different story.
Posted on 5/27/17 at 9:05 am to Skeezer
Developed International, EM, little bit of REIT
Posted on 5/27/17 at 10:17 am to juice4lsu
Thanks.
What about having some value in there. I'm so Growth heavy.
What about having some value in there. I'm so Growth heavy.
Posted on 5/27/17 at 2:20 pm to Skeezer
quote:
What about having some value in there. I'm so Growth heavy.
I would say yes, but I just invest in the total market. I used to slice and dice everything, but found it didn't really give any significant improvement in return. If anything, it gives more opportunity to screw something up.
I haven't gone with a 3 fund approach yet, but I'm beginning to believe that simplicity has alot of merit.
Posted on 5/27/17 at 10:32 pm to Skeezer
I don't think you could go wrong with a good international infrastructure fund. It's a high-yield asset class than can still produce growth stock-like gains but without the risk given the regulated/contracted nature of the cash flows. All the better if you can find one that makes direct investments to mitigate some of your public market exposure.
Posted on 5/28/17 at 6:41 pm to RedStickBR
Posted on 5/29/17 at 3:55 pm to Mikey P
I bought the Vanguard Wellesley fund which is about 2/3 bonds and 1/3 stocks.
Posted on 5/29/17 at 6:33 pm to Skeezer
VIGAX has been my best holding by far this year. Can't go wrong with that IMO.
Posted on 5/30/17 at 12:55 pm to TigerDeBaiter
Yes VIG has been on tear this year. Same with my morgan Stanley Growth fund and fidelity blue chip growth. All three have been on fire. Then again nearly everything has been on fire.
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