Hello, I'm new to the forum and would appreciate any suggestions/comments!I have been in American Funds (401k) and Vanguard (IRA) target retirement funds exclusively. I'm going into individual funds for more control over allocations and to reduce costs.
CURRENT SITUATION
***(Indicates holding(s) and % of total retirement portfolio)
401k Available Options (All American Funds)w/ Ticker Symbol and Net Expense Ratio
US Government Securities
RGVEX / ER: 0.61
The Bond Fund of America
RBFEX / ER: 0.60
American Balanced Fund
RLBEX / ER: 0.65
The Income Fund of America
RIDEX / ER: 0.64
Washington Mutual Investors
RWMEX / ER: 0.65
The Growth Fund of America
RGAEX / ER: 0.68
EuroPacific Growth Fund
REREX / ER: 0.84
2010 to 2055 Target Retirement Portfolios *** (45% in 2040 TRP w/ ER: 0.77)
RDATX to RDJTX / ER: 0.70-0.85
IRA Accounts (Vanguard)
Target Retirement Fund 2040 *** (55%)
VFORX / ER: 0.18
PROPOSED PORTFOLIO
401K - American Funds
Washington Mutual Investors *** (15%)
RWMEX / ER: 0.65
The Growth Fund of America *** (15%)
RGAEX / ER: 0.68
EuroPacific Growth Fund *** (15%)
REREX / ER: 0.84
IRA Accounts (Vanguard)
Total Bond Market Index Fund (Admiral) *** (25%)
VBTLX / ER: 0.08
Small Cap Value Index Fund (Admiral) *** (10%)
VEMAX / ER: 0.09
Emerging Market Stock Index Fund (Admiral) *** (10%)
VEMAX / ER: 0.15
FTSE All-World Ex. US Small-Cap Index Fund (Admiral) *** (10%)
VFSVX / ER: 0.40
THANKS AGAIN FOR YOUR SUGGESTIONS!
