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Comments on Allocation
Old 02-26-2006, 11:05 AM   #1
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Join Date: Jan 2006
Posts: 69
Allright, please throw stones at my proposed allocation below.* A little background; 45 yrs old, DW, kids 8, 11.* Planning on ER at 50 (if I can make it that long).* Should have enough to do it at that time.* Have been using a FA.* He gives me FA on my whole portfolio, while only managing ~35% of it (so it brings the overall FA fee down as a %-age.* ok, so I'm rationalizing here...).* Also, just realized a lot of the funds the FA had me in were Front End loaded, which is the icing on the cake for me to go it alone.*

After a lot of research and reading the last several months, I have been formulating my own plan to manage the portfolio.*

1) what do you think of the allocation
2) Any problems with the Asset class allocation between taxable and tax deferred?
3) Recommendations on brokerage / mutual fund company to use (currently have ~50% of total assets with Fidelity in 401K.* That's one option for consolidating the rest of the assets.* The other 2 I have been considering are Schwab and Vanguard.
One question I have is, if I am using mostly Vanguard funds, is there any disadvantage / extra cost to Schwab / Fidelity vs Vanguard for holding the Vanguard funds?

Hopefully this table will insert here:
Thanks
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