I have posted here several times about moving from EJ (non AUM fee based) to Fido. That is starting to take affect.
Our past investment strategy has been the C (SP500), S (small/Mid cap), and I (international) funds (80-10-10) in our TSP's. In our Roth's, we have been using five American Funds with EJ getting us exposure across most everything. $100 each fund per month for both of us. This means we have been maxing out our Roth's. We both have pensions between the VA, Federal Employee, and Military. It is estimated about $7k a month in todays dollars at age 57. It will go up from there at 62.
Since moving to Fido, we are looking at doing the 3 fund portfolio. I am seriously considering a 90-10 allocation. 80 for Total market, 10 International, 10 Bonds. All index funds. Currently we own zero bonds or fixed investments. We do own some individual stocks as well.This includes apple, google, and microsoft to name a few. Our Apple was purchased in 2013 at an initial investment of about 16k. We have just let it do its thing and it is now around $90k. This is close to 25% of all our investments combined. I am not sure if I should just let it ride or start systematically selling it. Lots of things on the horizon with Apple.
Anyway. I am thinking a 90/10 3 fund portfolio because of our age and pensions but am wondering if we need to get to a more conservative mix. Thoughts? We are 40 and 42.
Our past investment strategy has been the C (SP500), S (small/Mid cap), and I (international) funds (80-10-10) in our TSP's. In our Roth's, we have been using five American Funds with EJ getting us exposure across most everything. $100 each fund per month for both of us. This means we have been maxing out our Roth's. We both have pensions between the VA, Federal Employee, and Military. It is estimated about $7k a month in todays dollars at age 57. It will go up from there at 62.
Since moving to Fido, we are looking at doing the 3 fund portfolio. I am seriously considering a 90-10 allocation. 80 for Total market, 10 International, 10 Bonds. All index funds. Currently we own zero bonds or fixed investments. We do own some individual stocks as well.This includes apple, google, and microsoft to name a few. Our Apple was purchased in 2013 at an initial investment of about 16k. We have just let it do its thing and it is now around $90k. This is close to 25% of all our investments combined. I am not sure if I should just let it ride or start systematically selling it. Lots of things on the horizon with Apple.
Anyway. I am thinking a 90/10 3 fund portfolio because of our age and pensions but am wondering if we need to get to a more conservative mix. Thoughts? We are 40 and 42.
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