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Help With First Time Rebalance

Bogleheads • View forum - Investing - Help with Personal Investments - www.bogleheads.org
Hi Everyone,

First time poster here! I have been very passive with my retirement accounts and this year I am trying to get a handle on them. I would like to do a full rebalance across my retirement accounts and focus on low fee funds, something I haven't done since I started my career. Any advice or help selecting funds would be appreciated. Thanks!

Current Situation

Emergency funds: 3 months

Debt: 0

Tax Filing Status: Married Filing Jointly

Age: 28

Desired Asset allocation: 90% stocks / 10% bonds

Desired International allocation: 30% of stocks

Current retirement assets

Current 401k

Value: ~10k

Yearly Contriubtions: ~12k

Old 401k

Value: ~75k

Yearly Contributions: 0

Roth IRA

Value: ~30k

Yearly Contributions: $5.5k

Current Allocation:

Fidelity® Total Market Index Fund - Premium Class FSTVX 0.04% 59%

Fidelity® Total International Index Fund - Premium Class FTIPX 0.10% 33%

Fidelity® U.S. Bond Index Fund - Investor Class FBIDX 0.14% 8.00%

Available Funds:

Current 401k (Fidelity):

Fidelity® Contrafund® Commingled Pool 0.43%

Franklin Mutual Shares Fund Class R6 FMSHX 0.68%

Vanguard Institutional Index Fund Institutional Plus Shares VIIIX 0.02%

Fidelity® Low-Priced Stock Commingled Pool 0.48%

Fidelity® Mid-Cap Stock Commingled Pool 0.43%

WTC-CIF II Small Cap Opportunities Portfolio 0.87%

Fidelity® International Capital Appreciation K6 Fund FAPCX 0.65%

Vanguard FTSE All-World ex-US Index Fund Institutional Plus Shares VFWPX 0.07%

Virtus Ceredex Large-Cap Value Equity Fund Class R6 STVZX 0.86%

Strategic Allocation TOPS TM Aggressive Growth Portfolio 0.51%

Strategic Allocation TOPS TM Growth Portfolio 0.54%

Fidelity® Puritan® Fund - Class K FPUKX 0.46%

PIMCO All Asset Fund Institutional Class PAAIX 0.87%

Strategic Allocation TOPS TM Balanced Portfolio 0.56%

Strategic Allocation TOPS TM Conservative Portfolio 0.57%

Strategic Allocation TOPS TM Income and Growth Portfolio 0.55%

Strategic Allocation TOPS TM Moderate Growth Portfolio 0.56%

T. Rowe Price Retirement 2055 Trust (Class C) 0.38%

Vanguard Wellesley® Income Fund Admiral™ Shares VWIAX 0.15%

Vanguard Wellington™ Fund Admiral™ Shares VWENX 0.16%

Managed Income Portfolio II Class 4 0.37%

Fidelity® Limited Term Government Fund FFXSX 0.45%

Invesco Core Plus Fixed Income Trust - Class I 0.35%

PIMCO Low Duration Fund Institutional Class PTLDX 0.46%

Vanguard Total Bond Market Index Fund Institutional Shares VBTIX 0.04%

Vanguard Inflation-Protected Securities Fund Institutional Shares VIPIX 0.07%

Fidelity® Investments Money Market Government Portfolio - Institutional Class FRGXX 0.18%

Old 401k (Fidelity):

Fidelity® Contrafund® Commingled Pool 0.43%

T. Rowe Price Equity Income Fund PRFDX 0.66%

T. Rowe Price Institutional Large Cap Growth Fund TRLGX 0.56%

Vanguard Institutional Index Fund Institutional Shares VINIX 0.04%

Artisan Mid Cap Fund Institutional Class APHMX 0.95%

Fidelity® Extended Market Index Fund - Premium Class FSEVX 0.07%

Hotchkis & Wiley Mid-Cap Value Fund Class I HWMIX 1.03%

American Beacon Small Cap Value Fund Class Institutional AVFIX 0.84%

American Funds New Perspective Fund® Class R-6 RNPGX 0.45%

Fidelity® Diversified International Commingled Pool 0.58%

Fidelity® Global ex U.S. Index Fund - Institutional Class 0.08%

FIAM Index Target Date 2055 Commingled Pool Class Y 0.07%

FIAM Index Target Date Income Commingled Pool Class Y 0.07%

Managed Income Portfolio II Class 1 0.57%

PIMCO Total Return Fund Institutional Class PTTRX 0.46%

Vanguard Total Bond Market Index Fund Institutional Shares VBTIX 0.04%

Vanguard Inflation-Protected Securities Fund Admiral Shares VAIPX 0.10%

Fidelity® Government Money Market Fund SPAXX 0.42%

Questions:

1. How should I allocate my 401k funds?

2. What are your thoughts on my old 401k? Should I leave as is? Or roll it into my new 401k or TIRA?

Thank you!!
Date: Jan 12, 2018   


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