steady saver
Recycles dryer sheets
- Joined
- Apr 10, 2013
- Messages
- 498
Lots happening and I'll post some of the upcoming retirement story later. But for now, I have some questions.
I was already planning to revisit our 401K selections at about the time that I received a notice stating that the bulk of our options were going away and leaving me with 10 core options plus a LifePath fund. Incidentally our current six selections are ones that I wanted to rethink anyway; I had decided I really wanted to simplify to hold total market index funds. I definitely don't want the LifePath 2025 fund they're automatically set to funnel me into as it is too conservative for my taste (and what happens in 2025?...)
In my current options there is a U.S. Equity Index Fund, a U.S. Debt Index Fund, and an International Index fund but I don't know that it's a "total" international index fund.
(I still am trying to educate myself about bonds, bond funds, treasury funds and buying treasuries direct).
Now for my question. As I move into considering my options, would these three options seem to fit the bill or would I be better off to simply rollover to an IRA once DH retires and then go with the Vanguard index options? (I am happy to say that retirement is coming in a little over 2 months!!!)
We are at Fidelity and I'm thinking VTI, an international fund like VTWAX? And then to decide about a bond index fund or a treasury fund/treasury...
Thanks for your thoughts.
I was already planning to revisit our 401K selections at about the time that I received a notice stating that the bulk of our options were going away and leaving me with 10 core options plus a LifePath fund. Incidentally our current six selections are ones that I wanted to rethink anyway; I had decided I really wanted to simplify to hold total market index funds. I definitely don't want the LifePath 2025 fund they're automatically set to funnel me into as it is too conservative for my taste (and what happens in 2025?...)
In my current options there is a U.S. Equity Index Fund, a U.S. Debt Index Fund, and an International Index fund but I don't know that it's a "total" international index fund.
(I still am trying to educate myself about bonds, bond funds, treasury funds and buying treasuries direct).
Now for my question. As I move into considering my options, would these three options seem to fit the bill or would I be better off to simply rollover to an IRA once DH retires and then go with the Vanguard index options? (I am happy to say that retirement is coming in a little over 2 months!!!)
We are at Fidelity and I'm thinking VTI, an international fund like VTWAX? And then to decide about a bond index fund or a treasury fund/treasury...
Thanks for your thoughts.