Dtail
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Hi there.
I post often, but rarely start threads.
I am going to see my Fidelity rep (no cost) on Monday and would love to get some feedback from you smart folks on my Equity allocation. I just started using index funds last year.
Been retired 16 months with "retirement calculator" planning of 34 more years.
Total AA - 55/45
Equity AA: All low cost index funds. I use a bandwidth of 50-60 AA with an individual index bandwidth of 10% with Nasdaq at 25%.
S&P 500 - 35%
Mid Cap - 20%
International - 20%
Small Cap - 15%
Nasdaq - 10%
My questions are as follows:
1) Do these relative allocations seem reasonable given I wish to keep the total Equity portion at 55%?
2) Is it worth just going to a total US based Equity index plus a total International equity index?
3) I know it is recency bull market bias, but over the last 10 years, Small caps and International have not performed as well; so was wondering about keeping these allocations.
General Statement:
All index funds are in TIRA/Roth accounts, so can easily adjust the allocation without a tax event.
I would like to spend more time on the Fixed Income side yield chasing etc rather than adjust the equity side too frequently.
Thanks all.
I post often, but rarely start threads.
I am going to see my Fidelity rep (no cost) on Monday and would love to get some feedback from you smart folks on my Equity allocation. I just started using index funds last year.
Been retired 16 months with "retirement calculator" planning of 34 more years.
Total AA - 55/45
Equity AA: All low cost index funds. I use a bandwidth of 50-60 AA with an individual index bandwidth of 10% with Nasdaq at 25%.
S&P 500 - 35%
Mid Cap - 20%
International - 20%
Small Cap - 15%
Nasdaq - 10%
My questions are as follows:
1) Do these relative allocations seem reasonable given I wish to keep the total Equity portion at 55%?
2) Is it worth just going to a total US based Equity index plus a total International equity index?
3) I know it is recency bull market bias, but over the last 10 years, Small caps and International have not performed as well; so was wondering about keeping these allocations.
General Statement:
All index funds are in TIRA/Roth accounts, so can easily adjust the allocation without a tax event.
I would like to spend more time on the Fixed Income side yield chasing etc rather than adjust the equity side too frequently.
Thanks all.