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re: Talked with my financial consultant today
Posted on 6/15/21 at 6:14 pm to ZaphodBeeblebrox
Posted on 6/15/21 at 6:14 pm to ZaphodBeeblebrox
quote:Yep. 100% VTSAX.
So are you saying put 100% into that fund?
0
Posted on 6/15/21 at 6:24 pm to slackster
Thanks, you all have been helpful.
During my meeting with the account manager today, he only recommended reducing my bond investments to 0 and reallocating that (17%) as evenly as possible into American Fund Growth Fund of America R4, Vanguard Windsor, and Vanguard Total Stock Market Index.
I didn't make the changes because I wanted to hear the MT guru's opinions.
I think I'm going to go
34% VSTAX
33% American Funds Europacific Growth R4
33% American Funds New World R4
and see how that goes for a little while.
Thanks again everyone for all the help.
During my meeting with the account manager today, he only recommended reducing my bond investments to 0 and reallocating that (17%) as evenly as possible into American Fund Growth Fund of America R4, Vanguard Windsor, and Vanguard Total Stock Market Index.
I didn't make the changes because I wanted to hear the MT guru's opinions.
I think I'm going to go
34% VSTAX
33% American Funds Europacific Growth R4
33% American Funds New World R4
and see how that goes for a little while.
Thanks again everyone for all the help.
Posted on 6/15/21 at 6:30 pm to ZaphodBeeblebrox
quote:
think I'm going to go
34% VSTAX
33% American Funds Europacific Growth R4
33% American Funds New World R4
Dude, tha a lot of international equity. Maybe something like 70% VSTAX, 20% Euro, 10% New World, at best.
Posted on 6/15/21 at 6:31 pm to ZaphodBeeblebrox
quote:
34% VSTAX
33% American Funds Europacific Growth R4
33% American Funds New World R4
Do like 80/85% VTSAX and split the 15/20% between the international funds.
Don't put 66% of your portfolio into international funds lol.
Posted on 6/15/21 at 6:45 pm to slackster
75 VSTAX
15 Euro
10 New World
Thanks again!
15 Euro
10 New World
Thanks again!
Posted on 6/15/21 at 7:19 pm to ZaphodBeeblebrox
I agree that you originally had too much international - last allocation looks good
Posted on 6/15/21 at 7:30 pm to ZaphodBeeblebrox
Not trying to sound rude, but why do you need a financial consultant for only $30,000? Just seems like a waste of money. As others have said, pick 2-4 funds and roll with it.
Posted on 6/15/21 at 7:39 pm to jfw3535
Posted on 6/15/21 at 7:54 pm to ZaphodBeeblebrox
Gotcha. Didn't read the whole thread. Good luck with your investing and growing your portfolio.
This post was edited on 6/15/21 at 7:55 pm
Posted on 6/15/21 at 8:09 pm to ZaphodBeeblebrox
quote:Way too much international exposure and check the expenses ratios on the Vanguard fund vs the American funds. Personally I would put everything in Vanguard funds if that is an option (vs American funds). I would keep international funds less than 30% of your portfolio.
34% VSTAX
33% American Funds Europacific Growth R4
33% American Funds New World R4
Posted on 6/15/21 at 8:45 pm to ZaphodBeeblebrox
quote:that’s what you got out of the advice?
didn't make the changes because I wanted to hear the MT guru's opinions.
I think I'm going to go
34% VSTAX
33% American Funds Europacific Growth R4
33% American Funds New World R4
Posted on 6/15/21 at 8:51 pm to tigerfoot
quote:
that’s what you got out of the advice?
, this board legitimately cracks me up. Posted on 6/15/21 at 8:53 pm to tigerfoot
Bro we in Biden’s America
Invest in foreign countries
Invest in foreign countries
Posted on 6/15/21 at 9:04 pm to ZaphodBeeblebrox
quote:frick all that nonsense. I’d go with MVIS, ZOM, TSNP, WKHS
This is what is in my 403B that I recently converted to a 403B Roth.
Posted on 6/15/21 at 9:06 pm to tigerfoot
Well, that's not a good strategy, mate!
Posted on 6/16/21 at 4:58 am to ZaphodBeeblebrox
quote:
So are you saying put 100% into that fund?
It is likely the lowest cost fund.
In the long run, costs are a drag on total return.
It would be reasonable to have 100% of your money in that fund.
Posted on 6/16/21 at 5:39 am to MrJimBeam
quote:
Bro we in Biden’s America
Invest in foreign countries
If you did, you missed some big gains. Sleepy Joe had the hottest stock market in our lifetimes in his first 100 days.
Posted on 6/16/21 at 6:59 am to ZaphodBeeblebrox
Take that $30k and learn how to trade commodities futures using leverage. Also be sure and close your contracts each month or you'll wind up with a semi-trailer full of corn (or wheat, or copper etc..) parked in your driveway.
I'm joking. I agree with others that you have too many funds. If you're young I'd find a small or mid-cap fund or two that overperforms the market over a 7-10 year stretch. Those funds will have a higher beta, hence the longer timeline.
I'm joking. I agree with others that you have too many funds. If you're young I'd find a small or mid-cap fund or two that overperforms the market over a 7-10 year stretch. Those funds will have a higher beta, hence the longer timeline.
Posted on 6/16/21 at 7:00 am to ZaphodBeeblebrox
Are you expecting a large inheritance or do you have money elsewhere? If no, I would start aggressively saving via a side hustle or two.
Posted on 6/16/21 at 7:06 am to ZaphodBeeblebrox
This many posts and you still haven’t given us your age. Diversification depends on age. If your in your 20’s, VTSAX all the way. If you’re over 40, you’re in trouble with only 30K.
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