tominboise
Recycles dryer sheets
Our TIRA and Roth IRA asset are all sitting in Fidelity and have this allocation:
Domestic stock - 39%
Foreign stock - 18%
Bonds - 39%
Short term/other - 4%
These assets are invested in 14 different funds in our Fidelity accounts.
VTV 11.16%
FIPDX 10.40%
FTIHX 10.33%
VBR 9.66%
FUAMX 8.81%
VCIT 7.41%
FXAIX 7.38%
FUMBX 7.31%
VCSH 6.54%
FSKAX 6.04%
FSMAX 5.76%
FNDF 2.99%
VSS 2.46%
SPAXX** 1.95%
FNDC 1.80%
I was lying in bed thinking that I would have been better off just investing like so:
FXAIX - 40% (S&P 500)
FSKAX - 40% (Total stock market)
FIPDX - 20% (TIPS)
I think I would have a higher net return, maybe with greater volatility due to the greater stock exposure, but overall with a higher net gain over time that negates that volatility.
We are retired, me age 62, her age 60. Going to draw SS at age 70.
Thoughts on this?
Domestic stock - 39%
Foreign stock - 18%
Bonds - 39%
Short term/other - 4%
These assets are invested in 14 different funds in our Fidelity accounts.
VTV 11.16%
FIPDX 10.40%
FTIHX 10.33%
VBR 9.66%
FUAMX 8.81%
VCIT 7.41%
FXAIX 7.38%
FUMBX 7.31%
VCSH 6.54%
FSKAX 6.04%
FSMAX 5.76%
FNDF 2.99%
VSS 2.46%
SPAXX** 1.95%
FNDC 1.80%
I was lying in bed thinking that I would have been better off just investing like so:
FXAIX - 40% (S&P 500)
FSKAX - 40% (Total stock market)
FIPDX - 20% (TIPS)
I think I would have a higher net return, maybe with greater volatility due to the greater stock exposure, but overall with a higher net gain over time that negates that volatility.
We are retired, me age 62, her age 60. Going to draw SS at age 70.
Thoughts on this?
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