Portfolio Asset Allocation

What you have listed right now is pretty solid IMO. In my late twenties.

I would look at PIMCO all assets fund as well.

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What kind of commissions would you be paying on these trades? I wouldn't be putting less than $1000 into a fund at a time if I had to pay commissions on the trades. Otherwise, seems like a nice mix. I would suggest leaning more towards growth as opposed to dividends due to your age, but that's up to you.

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I just blindly put money into a 45 to-go fund every month. I don't trust myself to pick individual stocks anymore, and that is after a few years of trying.

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and any of my ETF trades end up getting reviewed by our Compliance Dept

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regulating

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Figures

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What kind of commissions would you be paying on these trades?

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$5 for the ETFs and no commission for the PIMCO fund.

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I would suggest leaning more towards growth as opposed to dividends

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My roth is more aggressively allocated, though not by much. I am a more conservative investor, I think of the brokerage account as more of a savings account than anything.

Early 20's? Then go in strong.

I'd go 50% each on VIG and the T.Rowe Health Mutual Fund.


PIPAX is rated 5-stars, but lost 11% just 2 years ago. I have no confidence in real estate. The commodities play has lost nearly 3% so far this year, while the DOW is up 7.5%.

With emerging economies contributing 30%+ to global GDP but only 10%+ to global market cap, I think there are opportunities to exploit that divergence. Low rates in the U.S. should continue to drive demand for foreign yield, as is supported by capital flow data to date. You can invest in these economies through regional funds, country-specific funds or individual foreign companies, although the play I like is with domestic companies with heavy emerging market revenue concentration. You'll find a direct correlation between the amount of exposure to EMs and stock performance in 2012. I think 2013 continues that trend. Look for companies generating substantial gross profit dollars as a percentage of total assets. And the more basic the product they sell, the better. I think a 5-10% EM allocation is reasonable, but only with select economies.