How is your IRA/401K retirement allocated?

[jagec]

20% bonds, 56% US stock (VTSAX), 16% world (VFWAX), 8% REIT (VGSLX).

 

[tfinch2]

Fidelity 401k:

40% Large Cap Stock
20% Mid Cap Stock
20% International Stock
20% Bonds

Post tax account I am 100% cash right now.

 

[LegendKiller]

Not sure why anybody under 50 is in bonds right now.

Sure, I guess you could say that it's a decent diversifier, but with rates raising, the only bond funds you should be in are short/ultra-short duration funds. Anything else has a pretty low return threshold with risk spreads low and the term structure of rates not looking great for current bond holdings.

 

[LegendKiller]

You can get 11k a year in I-Bonds. They can be cashed out any time and adjust based on inflation. Better than Gold as a hedge against inflation.

Pretty much everything, including dogshit, is a better than gold as a hedge against inflation. Ever look up the R^2 for gold vs inflation? Not great.

You're better off with a basket of non-cyclical consumer goods corporations.

 

[Dr. Zaus]

Pretty much everything, including dogshit, is a better than gold as a hedge against inflation. Ever look up the R^2 for gold vs inflation? Not great.

You're better off with a basket of non-cyclical consumer goods corporations.

I know. But since this dude is afraid of life and keeping all-cash I was speaking into paranoid-delusions world.


I want to self-manage my IRA and invest in emus... screw it

I want to self-manage someone else's IRA and invest in Emus

 

[Nograts]

Most others have said it but I'm pretty similar to you, 29 with a 50k Roth.

Right now I'm 100% equities, 80% S&P 500 and 20% INTL Index.

Here in a month I am going to put a solid chunk into a small cap index, researching which one.

If I could start over from years ago when I put the first 5,000 in....I would still do the index but I probably would have maintained a 60/20/20 large index/small cap index/ foreign index.

Oh well. Also I don't plan on touching bonds at all until I'm ~35. Maybe even 40.

 

[DaWhim]

$0

 

[mikeymikec]

Stop funding the IRA!

 

[nisryus]

I am late to this. At 40+ I just opened an Roth IRA account with Vanguard. Did a little research and most people recommend their Target Dated Fund, so I went with the 43 to 47 group.

https://investor.vanguard.com/mutual-funds/target-retirement/#/

Could have been better but I am a n00b and have no idea what to pick.

 

[jaha2000]

Not sure why anybody under 50 is in bonds right now.

Sure, I guess you could say that it's a decent diversifier, but with rates raising, the only bond funds you should be in are short/ultra-short duration funds. Anything else has a pretty low return threshold with risk spreads low and the term structure of rates not looking great for current bond holdings.

Surprised we had to get to the second page before somebody brought this up.

 

[CraKaJaX]

Subscribed. I've got ~20k in a Fidelity NetBenefits 401k with my previous employer. New employer is Vanguard which I'm dishing 8% (they're matching 4%) into. That account is set up for a target retirement of 2050. I'm not really sure how it's allocated. I still haven't gotten into rolling my ex-401k into my current one.

 

[z1ggy]

Hmmmmm, I allocate about 70% to the S&P500, and 30% to Large Cap Funds. For a while, I had about 20% in my own company's stock, but I felt like that was a bit too risky.

Turns out since I started 5 years ago, the stock has gone up like 40% overall D: Jokes on me :'(

But in general I think my ROI is something like 15-20%? Really that's pretty good and I'm still satisfied with that. I'll probably switch to something slightly less risky once I hit 30.

 

[NoCreativity]

60% Vanguard VOO (S&P 500 Index) .05% expense ratio
25% Vanguard VEXAS (mid/small cap blend) .10% expense ratio
15% International (may let them pick this fund, I currently have some money in VESGX which did poorly last year but decent before that)

I have that exact same allocation in my 401K (though not Vanguard funds). International didn't do so well last year but that just means I bought more shares. I've had the same allocation for about 10 or so years. I don't have the numbers handy but my 401K has done very well since the '08 crash (did well before the crash too). The only thing I change is occasionally re-balancing the portfolio if it strays too far from my allocation.

I'm close to your age and I will be 100% stock for the foreseeable future. Will probably start mixing bonds in when I get closer to the big 5-0.

 

[Engineer]

Subscribed. I've got ~20k in a Fidelity NetBenefits 401k with my previous employer. New employer is Vanguard which I'm dishing 8% (they're matching 4%) into. That account is set up for a target retirement of 2050. I'm not really sure how it's allocated. I still haven't gotten into rolling my ex-401k into my current one.

I would just go online and do an easy Fidelity rollover to an IRA. You can then choose from every fund that Fidelity has to offer. I did that with Fidelity and it was a piece of cake to do it online.

 

[CraKaJaX]

I would just go online and do an easy Fidelity rollover to an IRA. You can then choose from every fund that Fidelity has to offer. I did that with Fidelity and it was a piece of cake to do it online.

This is something I've been debating but know very little about. There was a thread here a while back about 401k's and through reading that, I got the idea it was better to roll it over into my current 401k just to have all my money in one place. There's arguments on both sides just like anything else I guess. I just need to educate myself more in this type of thing. Having just turned 28, I have a hell of a long way to go... :'(

 

[Uppsala9496]

VFIAX - Vanguard 500 Index Fund - +3.2% YTD (0.05% fees)
VGHAX - Vanguard Health Care Fund - +7.94% YTD (0.30% fees)
VHDYX - Vanguard High Dividend - +2.28% (0.18% fees)

For my Roth I have money tied up in a target retirement fund and a growth index fund. Up some 9.4% YTD.

 

[Nograts]

VFIAX - Vanguard 500 Index Fund - +3.2% YTD (0.05% fees)
VGHAX - Vanguard Health Care Fund - +7.94% YTD (0.30% fees)
VHDYX - Vanguard High Dividend - +2.28% (0.18% fees)

For my Roth I have money tied up in a target retirement fund and a growth index fund. Up some 9.4% YTD.

What's the returns like on that dividend fund? I was reading an article about dividend funds in long term RAs but got cut short. Also does it divvy up monthly, quarterly...?

 

[Uppsala9496]

VHDYX is quarterly. I'm a little disappointed in that fund, but will leave it as is for the remainder of the year.

 

[overst33r]

75% stock 25% bonds, 30% international. Spread among vanguard total US/international/bond.

It took some work, but I managed to get my company to offer those three funds in the 401k.

 

[xeemzor]

What's a good retirement account balance to shoot for by time you are 30? ~150k?

 

[overst33r]

What's a good retirement account balance to shoot for by time you are 30? ~150k?

It depends on your expenses and your savings rate. Once you determine those, you can figure out how much you need. Based on the Trinity study, once you have 25x your annual expenses saved, you're safe to retire.
Here's a handy chart that tells you how they are related.

 

[Nograts]

What's a good retirement account balance to shoot for by time you are 30? ~150k?

I did some math awhile ago using Roth cap and S&P500 averages, starting at 23 when I did I estimated hitting 1 million ~57?.... I'm just over 50k at 29 but compounding is weird. The rule of thumb is "4% of your portfolio per year" depending on what standard of living you want. So that number will vary, mine being much lower than someone in say, NYC.

You also need to factor in Social Security, Real Estate if you own any, pensions etc.

 

[Nograts]

A great forum for financial stuff and lots of investment savvy old timers:

www.morningstar.com

 

[Genx87]

What's a good retirement account balance to shoot for by time you are 30? ~150k?

As high as you can afford?

If you are at 150K by 30 you are doing really well.

 

[ghost recon88]

What's a good retirement account balance to shoot for by time you are 30? ~150k?

With a single income that seems a bit high for age 30, but it's good to be optimistic I guess.

Here is how I have my retirement allocated, someone speak up if it's too skewed towards any one thing :hmm:

All through TIAA
50% Large cap fund(s) TRLGX/VINIX
25% Mid/Small cap fund VIEIX
25% Retirement target date fund VFFVX