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How do you feel about this asset allocation in my 401k for a 59 year old?
Old 06-18-2014, 08:50 PM   #1
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How do you feel about this asset allocation in my 401k for a 59 year old?

Mutual funds in my 401k are balanced as follows:

49% domestic stock
25% bonds
21% foreign stock
5% short-term

Here are the exact funds:

Vanguard Total Bond Market IS PL
Tini Templ Forgn EQT
Vanguard Value Index INST
Vanguard Explorer ADM
Vanguard INST INDEX PLUS
Stable Value Fund
Fidelity Div INTL
Fidelity OTC
Vanguard Med Cap Index IS PL
Vanguard Small Cap Index INST
Spartan INTL INDEX FAI
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Old 06-18-2014, 08:53 PM   #2
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Hard to say without knowing how much you have as a function of expenses, how long you plan to work, whether you have a pension, etc. Not enough info to make an informed assessment.

Assuming 401k is the bulk of your savings and you have no pension and you're planning to retire at 65 and you're close to 25x annual expenses, most would say your AA is too aggressive.

But that made a lot of assumptions...
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Old 06-18-2014, 09:00 PM   #3
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Old 06-18-2014, 09:26 PM   #4
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Quote:
Originally Posted by Floridatennisplayer View Post
Mutual funds in my 401k are balanced as follows:

49% domestic stock
25% bonds
21% foreign stock
5% short-term....
Similar to mine, but you're a year older

42% domestic stock
34% bonds
18% foreign stock
6% cash

I'm 60/40, you're 70/30 - both are fine IMO.
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Old 06-18-2014, 09:37 PM   #5
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I'll be 59 in a few months. I'm at 60/40. You've got a little more in equities.
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Old 06-19-2014, 11:14 AM   #6
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Impossible to say without knowing your entire portfolio.
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Old 06-19-2014, 03:06 PM   #7
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Originally Posted by nash031 View Post
Hard to say without knowing how much you have as a function of expenses, how long you plan to work, whether you have a pension, etc. Not enough info to make an informed assessment.

Assuming 401k is the bulk of your savings and you have no pension and you're planning to retire at 65 and you're close to 25x annual expenses, most would say your AA is too aggressive.

But that made a lot of assumptions...
I have a good bit more saved than 25X annual expenses.
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Old 06-19-2014, 03:15 PM   #8
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Impossible to say without knowing your entire portfolio.

401k and IRA's represent about 65% of my portfolio. The rest is cash...money market funds. I own a home in Ohio and Florida mortgage free. I don't count them in any equations. Also have a small pension and at age 66, SS if it is still around is projected at an additional $2,671 monthly just for me and half that for my wife.
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Old 06-19-2014, 03:20 PM   #9
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Originally Posted by Floridatennisplayer View Post
401k and IRA's represent about 65% of my portfolio. The rest is cash...money market funds. I own a home in Ohio and Florida mortgage free. I don't count them in any equations. Also have a small pension and at age 66, SS if it is still around is projected at an additional $2,671 monthly just for me and half that for my wife.
What are the investments in your IRAs? What percentage of your portfolio is the 401K? What are the details of the pension?
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