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Young Investor - New Job - Help Choosing 401k Portfolio

Bogleheads • View forum - Investing - Help with Personal Investments - www.bogleheads.org
Hello all,

I recently started invested about 2 years ago and I am still new to this world, but eagerly willing to learn. I have recently become able to invest via the company 401k program. I have the option for both a traditional and/or roth contribution. I would like to keep with a goal towards a 3-fund portfolio. Any help in deciding which funds to invest in would be helpful. Also, any help in determining whether I should be investing in either a traditional vs. the roth would be helpful as well. I expect to be in a higher tax bracket before retirement.

Emergency funds: Yes

Debt: No debt

Tax Filing Status: Single

Tax Rate: 25% Federal, 5.1% State

State of Residence: Massachusetts

Age:29

Desired Asset allocation: 80% stocks / 20% bonds

Desired International allocation: 16% of stocks

My current portfolio only includes a Rollover IRA (20k) and a Roth IRA (10k) which were rolled over from a previous employer. These are invested in a 3-fund portfolio style with Fidelity. To date this year, I have invested 8168.93 to the 401k which was rolled into the IRA accounts.

The website the company uses does not show expense ratios so I will have to reach out to obtain that information if necessary.

Available funds

Fidelity Balanced Fund (FBALX)

Franklin Utilities Fund R6 (FUFRX)

MFS Massachusetts Investors Gr Stk R6 (MIGNX)

Schwab International Index Select (SWISX)

T. Rowe Price Global Tech Inv (PRGTX)

T. Rowe Price Personal Strat Gr I (TGIPX)

Vanguard Federal Money Market Inv (VMFXX)

Vanguard GNMA Adm (VFIJX)

Vanguard Global Equity Inv (VHGEX)

Vanguard Inflation-Protected Sec Adm (VAIPX)

Vanguard Large Cap Index Adm (VLCAX)

Vanguard Mid-Cap Growth Index Adm (VMGMX)

Vanguard Mid-Cap Value Index Adm (VMVAX)

Vanguard Small-Cap Growth Index Adm (VSGAX)

Vanguard Small-Cap Value Index Adm (VSIAX)

Vanguard Target Retirement Income Inv (VTINX)

Vanguard Total Bond Market Index Adm (VBTLX)

Vanguard Value Index Adm (VVIAX)

Additionally, the list of Vanguard Target Retirement accounts

Hopefully I have covered all of the bases for information to get started. If there is anything missing please let me know and I will do my best to hunt down the information. Thank you all so much in advance.
Date: Aug 18, 2017   


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