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I'm in my late 20s and have built up a small retirement 'portfolio' if you even want to call it that includes a Roth IRA and my company 401k. I'm also using my HSA as a retirement account so I'm investing the funds in that. I personally am not real excited about my fund choices but maybe there are a few gems that I don't realize. Can I post my current fund allocations here and the other fund options I have and get some feedback? I didn't want to vomit everything up here if it's not a welcome discussion.
Alright, here's my current asset allocation. I know I will get blasted for owning so much company stock but it has been averaging 20%+ return the last 10 years or so.
Here are the other funds I have access to that I'm not currently invested in. They are all in my HSA account.
American Funds EuroPacific Growth Fund (F1)
DFA Emerging Markets Value Fund (I)
DFA U.S. Large Cap Value Fund (III)
DFA Inflation-Protected Securities (I)
Dodge & Cox International Stock Fund
Fidelity Low Priced Stock Fund
Goldman Sachs Mid Cap Value Fund (A)
American Funds Growth Fund Of America (F1)
Heartland Value Plus
Columbia Acorn Fund (A)
BlackRock Equity Dividend Fund (A)
Vanguard Small-Cap Index Fund (A)
JPMorgan High Yield Fund (A)
Oppenheimer International Bond Fund (Y)
PIMCO Commodity RealReturn Stgy. Fund (A)
Royce Value Fund (Svc)
Schwab Investor Money Fund
Vanguard Dividend Growth Fund (Inv)
Vanguard Total Intl. Stock Index Fund (Inv)
Vanguard Mid-Cap Index Fund (Inv)
PIMCO Total Return Fund (A)
Cohen & Steers Realty
Spartan US Bond Index Fund Investor
I would appreciate any suggestions of funds that I should look into more or overall how I should weight my investments. For example, is 36% too high in the S&P 500?
You could always just do a basic index fund that does all the S&P 500 (VFINX). Vanguard funds also have very low fees.
I do have SWPPX available in both my 401k and HSA, and that's a pretty low fee fund. I've considered opening an account at Vanguard and may do that if the consensus is that my current options aren't that great. I have my Roth at TD Ameritrade right now.
Vanguard Dividend Growth 40%
Vanguard Small Cap Index 10%
Cohen & Steers Realty 10%
Dodge & Cox International Stock 20%
Fidelity Spartan Bond Index 15%
Oppenheimer Int'l Bond 5%
If your plan has an auto-rebalance feature, I would have it rebalance every quarter. A lot of people have this feature but don't know it, so I would call the plan provider to check.
Vanguard Dividend Growth 40%
Vanguard Small Cap Index 10%
Cohen & Steers Realty 10%
Dodge & Cox International Stock 20%
Fidelity Spartan Bond Index 15%
Oppenheimer Int'l Bond 5%
If your plan has an auto-rebalance feature, I would have it rebalance every quarter. A lot of people have this feature but don't know it, so I would call the plan provider to check.
Interesting. No broad S&P 500 coverage? Is that because you think it's overvalued right now or do you just prefer growth stocks? And 20% international stock is interesting too. Thanks for the input!
SWPPX 36% - Good choice
MEIJX 6% - You're paying .63% for them to mirror the benchmark. You're essentially throwing away .58% per year with this fund.
meijx failed to beat the s&p 500 the last 1,3,5 years but did beat it the last 10 and 15 years by alot so overall if you were in it long term you got alpha for your expense money. can't say what the future brings
meijx failed to beat the s&p 500 the last 1,3,5 years but did beat it the last 10 and 15 years by alot so overall if you were in it long term you got alpha for your expense money. can't say what the future brings
Are you looking at before or after fees? And is the S&P it's benchmark or something else? The S&P isn't the benchmark for every fund. And some funds take more risk or less to get their returns. Anyone can take on more or less risk. No need to pay expensive managers to do that.
Sorry but this fund is a total dud.
10 year R-squared (against Standard Index) = 97.55
5 year R-squared (against Standard Index) = 98.08
That means they are simple copying their comparable index for an extra 0.58% per year. Anything in the 90's is a waste of money. This one's a no brainer. Would you pay an extra 0.58% for an index fund? Of course not.
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