Recently, my wife and I have been getting our finances in order and have read a few books about investing. Each of us, 33 and 36 years old, have a 403b and a Roth IRA that we started 6 years ago, but now that we have some more knowledge we may have to change our asset allocations.
From what i read i should be investing in more stocks than bonds, but how much should i put into international and U.S? I feel i'm pretty aggressive since i have 30 years until i retire, so should i think about having 40-50% of my stocks as international or should i stick with something like 20%? Right now both our Roths are with Vanguard and here's the break down of our asset allocations:
Stocks 90% (Vanguard total stock market index 72%, Vanguard Total International Index Funds 18%)
Bonds 10% (vanguard total bond market II)
Should i stick with these or make any changes to my U.S. and international funds? How much do you put into U.S and international?
We are currently in the process of moving our 403bs to Fidelity, so i haven't decided which funds to have in my portfolio, but the Spartan funds look pretty good. Should i put the same percentages into fidelity that i have in vanguard?
thanks
From what i read i should be investing in more stocks than bonds, but how much should i put into international and U.S? I feel i'm pretty aggressive since i have 30 years until i retire, so should i think about having 40-50% of my stocks as international or should i stick with something like 20%? Right now both our Roths are with Vanguard and here's the break down of our asset allocations:
Stocks 90% (Vanguard total stock market index 72%, Vanguard Total International Index Funds 18%)
Bonds 10% (vanguard total bond market II)
Should i stick with these or make any changes to my U.S. and international funds? How much do you put into U.S and international?
We are currently in the process of moving our 403bs to Fidelity, so i haven't decided which funds to have in my portfolio, but the Spartan funds look pretty good. Should i put the same percentages into fidelity that i have in vanguard?
thanks