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Investment help- Am I on track to retire early?
Old 01-12-2008, 07:15 PM   #1
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Investment help- Am I on track to retire early?

First, I am 36 and plan on working for another 20 to 23 years. What can I do better as far as investments are concerned? Here it is:

401-k ( company matches 50% up to 1st 6%) I am doing 7% right now of around $80,000.

Have around 21k
20%- Nationwide International Index A (International)
20%- Oppenheimer Global A (International)
20%- Neuberger Berman Gensis TR ( Small Cap)
20%- Wells Fargo Advantage Common Stock Z (Mid Cap)
20%- Janus Twenty Fund ( Large Cap)

Rollover IRA

Have around 48k
26%- Cherokee Inc Del (CHKE) 400shares- dividend payout of 8.5%
12%- Teva Pharmaceuticals (TEVA) 125 shares
14%- Walgreens (WAG) 200 shares
8%- Harbor International (Hiinx)
9%- T.Rowe Price Latin America (Prlax)
31%- T.Rowe Price Retirement 2040

Roth IRA

Have around 13k ( will be putting the max each year- this year 5k)
26%- Dodge & Cox International Stock (Dodfx)
29%- Fidelity four-in-one Index (FFNOX)
20%- AIM International Core Equity Inv (IIBCX)
25%- Janus Contrarian (JSVAX)

Wife's Roth IRA
Have around 4k ( will be putting between 3-4k each year)
100%- Marsico International Opportunities (MIOFX)

Wife's 403-B ( no more contributions as she is a stay at home mom)
Have around 13k
25% Fidelity Freedom 2040 (ffffx)
25% Fidelity Value (FDVLX)
25% Fidelity Magellon (FMAGX)
25% Fidelity Canada (FICDX)

Also have around 20k in cash in a money market account at 5.05% and 20k in stocks such as Progress Energy (PGN), Duke Power (DUK).

We owe 423k on a house that appraised this year for 520k with around 22 years left and own 3 rental houses ( 2 houses paid off with 1 that we owe around 83k- they generate around $1600 per month in total rent)

Would you do anything different? No car payments and both cars are 2007's.

Also 1 child thats 2 and have 3k in 529 account and contributes $100 per month for that.

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Old 01-12-2008, 07:25 PM   #2
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Posts: 8,490
For specific investment advice, I'd go over to the diehards site (bogleheads). There is a suggested proforma posted that will get you a quality answer. See the sticky under Investing - Help

Guide to the Vanguard Diehards Forums

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Old 01-13-2008, 02:55 PM   #3
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Location: Milford, OH
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step 1 I would do some retirement calculators on sites like T Rowe Price, Money, Smartmoney and Quicken
step 2 I would determine what asset allocation you want. step 1 might help with this.
step 3, do a morningstar x-ray of all holdings above
step 4- compare steps 2 and 3.
step 5 make changes

If you do homework to determine asset allocation, the other decisions with investing come much easier.
Light travels faster than sound. That is why some people appear bright until you hear them speak. One person's stupidity is another person's job security.
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