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Old 02-18-2013, 08:08 AM   #21
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Originally Posted by GatherYeAcorns View Post
Target funds?

I'll pass on those. Those funds are supposed to gradually ease into bonds when you get older. What if when you're close to your target date and interest rates are going up? Those bond funds are going to get slaughtered.
Easy enough, especially in a 401k, to move from one target date fund to another with date further out and a lower bond allocation. On the other hand, that does negate some of the simplicity.

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Old 02-18-2013, 08:19 AM   #22
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Originally Posted by helm2013 View Post
Well I've been happy with the help I've received on here so everythings good.

I've been reading into tax efficiency with those links and I think it'd be easier to have my international fund in a taxable now so I can get the proper percentage of allocation into it.

So what fund does anyone recommend? I'd like to start it with Vanguard, only have 1k for it though. So maybe an ETF would work better?
We must be talking small balances here. $1k isn't a lot. But, VWO would be a good a choice for an ETF. I hold VEMAX in my taxable account, which is the mutual fund version. Then, if wanted, you can kick the Aberdeen fund to the curb.

Otherwise, you can go with VEU and kick the VFWSX out of the 401k.

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Old 02-18-2013, 07:05 PM   #23
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For regular contributions, like per paycheck, a mutual fund will be better than ETFs. For investing a lump sum, I prefer ETFs.

As an aside, the total world index is about 45% US and 55% the rest.

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