Posted: 7/6/2014 10:08:58 AM EDT
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I am interested in opinions. What would ya'll do with these options. It's for a 401k to get the match, The rest goes to a Roth IRA. Please excuse the choppy cut and paste.
PRIOR-MONTH PRIOR-QUARTER 1 YR 5 YR 10 YR {SINCE INCEPTION} EXPENSE RATIO Stable Value Guaranteed Income Fund GoalMaker Investment 0248 Fund Summary0.13% 0.40% 1.65% N/A {2.12%} 0.25% Fixed Income - Intermediate Bond Vanguard Total Bond Market Index Adm VBTLX 0006,0029,0035,1254 Fund Summary0.12% 1.97% 4.28% 4.75% 4.91% 0.08% Fixed Income - Domestic Core Plus Bond / PIMCO Fund GoalMaker Investment 0302,1254 Fund Summary0.18% 2.23% 5.40% 5.59% 5.86% 0.46% Large Cap Stock - Value Loomis Sayles Value Y LSGIX GoalMaker Investment 0006,0029,0035 Fund Summary2.99% 4.08% 24.60% 17.83% 9.47% 0.72% Large Cap Stock - Blend Vanguard Total Stock Market Idx I VITSX 0006,0029,0035 Fund Summary2.55% 4.86% 25.18% 19.43% 8.43% 0.04% Large Cap Stock - Growth Large Cap Growth / Jennison Fund GoalMaker Investment 0302 Fund Summary3.89% 4.68% 30.26% 17.40% {8.93%} 0.92% Mid Cap Stock - Value Mid Cap Value / Systematic Fund 0042,0302 Fund Summary3.55% 4.48% 27.02% 20.29% {10.21%} 0.70% Mid Cap Stock - Growth Nationwide Geneva Mid Cap Growth InSvc NWHYX 0006,0029,0035,0042 Fund Summary3.29% -0.07% 16.78% 18.06% {18.07%} 1.11% Small Cap Stock - Value Target Small Capitalization Value T TASVX GoalMaker Investment 0006,0029,0035,0042 Fund Summary4.15% 3.46% 23.64% 20.09% {12.34%} 0.67% Small Cap Stock - Growth Baron Small Cap Instl BSFIX GoalMaker Investment 0006,0029,0035,0042 Fund Summary4.82% 2.89% 22.88% 19.90% {20.00%} 1.05% International Stock - Blend American Funds EuroPacific Gr R4 REREX GoalMaker Investment 0006,0029,0035,0141 Fund Summary0.91% 2.85% 21.92% 11.60% 8.78% 0.84% Vanguard Developed Markets Idx Admiral VTMGX 0006,0029,0035,0141 Fund Summary1.06% 4.25% 23.50% 11.77% 7.06% 0.09% |
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I would overweight the stock funds, and within that I would overweight the small and midcap funds.
I would avoid stable value altogether. I would underweight the bond funds. (I wish my 401k offered a long term treasury fund, that seems like an obvious choice for some, (not too much!), of an investment portfolio. Rates will go up at some point, IDKW. After they do, I would still underweight bonds, just not as much. Some will say that your age plays a big factor. If you are getting long in the tooth, conventional wisdom says to have more in bonds than if you are a youngster. My advice would be considered to be very aggressive by some. I am 58, and I follow my own advice. |
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I would have at least 50% in VITSX.
Conventional theory says hold some bonds but I don't like them. I put about 50% of my money in total stock market, 30% in total international and the other 20% I play with and choose what I like at the moment. Currently my 20% is in small cap, mid cap and natural resources. So given those choices I would probably do something like 50% VITSX 30% VTMGX 10% BSFIX 10% ? Maybe mid cap |
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I would over-weight large cap US stock over small cap US stock. Large cap stocks trail small in returns during a recovery and small-caps have had a fantastic run. Above that we have not had a market correction for some time. Although you are in this for the long term over-weighting large caps right now will insulate you a little bit from the volatility of small-caps during the next correction or two. Might be time for the value end to shine, but exposure to top three style boxes is favorable. US Large cap 55-60%, US small cap 20-25%.
Although bond returns have been surprising this year all things considered interest rates will drive existing bond values down when they rise and they are on the bottom floor still. I believe in a balanced approach, yet I hold no bonds due to my time horizon. You seem to be in a similar boat. 20%-25% in foreign/emerging markets as they have underperformed and seem to be poised for growth US stock cannot attain right now. |