jIMOh
Thinks s/he gets paid by the post
I am a long time poster, got divorced 2x and am rebuilding.
Trying to determine where I am, and where I can go.
Age 47
job at mega mega corp
401k is a 9% match (90% of first 5%, plus a 5% fixed contribution into a plan which is invested just like 401k).
I was maxing 401k out prior to second divorce.
401k balance (all accounts)
$112k
ytd contributions 18k (includes matching)
suggests my rate of return ytd is 22.38%
401k asset allocation is
81% stock
7% passive bond
7% real assets
3% stable value
2% in a lifecycle fund I cannot seem to sell to reallocate
specific fund breakdown
14% Vanguard US Large Cap fund (S&P 500 index)
16% Vanguard US Small/ Mid Cap Index fund (did not state index it is tracking)
14% State Street all cap equity index fund (MCSI Index)
4% Blackrock Bond Index fund (Bloomberg Barclays U.S. Aggregate Bond Index)
4% State Street Real Asset Index fund (custom index)
4% interest income fund
10% Neuberger Genesis fund
10% T Rowe International small cap equity fund
24% company stock
My goal is to be 80-20 and I know I need to get to 60-40 once balance is higher.
I have worked here 4 years, so all amounts reflect 4 years of savings. First 3 years I contributed to 100% Roth. I needed to reduce to 6% contribution and put money in pre-tax while I recovered from second divorce. Contributions are now 11% pre tax and 1% Roth for 2021 moving forward.
I cannot figure out a way for the GD 401k site to show me Roth balance vs pre-tax balance- the total is $112k and I think most of my contributions are Roth (with match being pre-tax).
E trade rollovers
Total all accounts $78k
Pre-tax rollover $48k
invested in
RSP $4700
USRT $3900
VTI $6900
VFMF $4200
VOO $5000
VT $4900
VIG $5100
VWO $4700
BND $4600
VMBS $4200
Roth Rollover and new contributions $29k This should be about 20% bonds and 80% equities (I considered real estate=bond)
USRT $2100
VAW $500
VCR $1300
VDC $2100
VDE $300
VFH $3600
VGT $3600
VHT $6700
VIS $1200
VOX $3400
VPU $400
VWOB $3800
when this account started, all sectors matched weight of sector in S&P 500, all new monies went to one of 3 lowest performing sectors at time of contribution. I have not contributed since April 14 2020.
I use this calculator to check my progress
https://www.flexibleretirementplanner.com/wp/planner-launch-page/
$190k total
150k tax deferred
40k tax free
This has me at a 3% starting withdraw rate at age 72 at $50k in todays dollars for annual spending (accurate) with 90% chance of success.
Please look at details and make any comments which could improve outcome
improve=retire earlier
improve=spend more
improve=take less risk to get similar outcome
Trying to determine where I am, and where I can go.
Age 47
job at mega mega corp
401k is a 9% match (90% of first 5%, plus a 5% fixed contribution into a plan which is invested just like 401k).
I was maxing 401k out prior to second divorce.
401k balance (all accounts)
$112k
ytd contributions 18k (includes matching)
suggests my rate of return ytd is 22.38%
401k asset allocation is
81% stock
7% passive bond
7% real assets
3% stable value
2% in a lifecycle fund I cannot seem to sell to reallocate
specific fund breakdown
14% Vanguard US Large Cap fund (S&P 500 index)
16% Vanguard US Small/ Mid Cap Index fund (did not state index it is tracking)
14% State Street all cap equity index fund (MCSI Index)
4% Blackrock Bond Index fund (Bloomberg Barclays U.S. Aggregate Bond Index)
4% State Street Real Asset Index fund (custom index)
4% interest income fund
10% Neuberger Genesis fund
10% T Rowe International small cap equity fund
24% company stock
My goal is to be 80-20 and I know I need to get to 60-40 once balance is higher.
I have worked here 4 years, so all amounts reflect 4 years of savings. First 3 years I contributed to 100% Roth. I needed to reduce to 6% contribution and put money in pre-tax while I recovered from second divorce. Contributions are now 11% pre tax and 1% Roth for 2021 moving forward.
I cannot figure out a way for the GD 401k site to show me Roth balance vs pre-tax balance- the total is $112k and I think most of my contributions are Roth (with match being pre-tax).
E trade rollovers
Total all accounts $78k
Pre-tax rollover $48k
invested in
RSP $4700
USRT $3900
VTI $6900
VFMF $4200
VOO $5000
VT $4900
VIG $5100
VWO $4700
BND $4600
VMBS $4200
Roth Rollover and new contributions $29k This should be about 20% bonds and 80% equities (I considered real estate=bond)
USRT $2100
VAW $500
VCR $1300
VDC $2100
VDE $300
VFH $3600
VGT $3600
VHT $6700
VIS $1200
VOX $3400
VPU $400
VWOB $3800
when this account started, all sectors matched weight of sector in S&P 500, all new monies went to one of 3 lowest performing sectors at time of contribution. I have not contributed since April 14 2020.
I use this calculator to check my progress
https://www.flexibleretirementplanner.com/wp/planner-launch-page/
$190k total
150k tax deferred
40k tax free
This has me at a 3% starting withdraw rate at age 72 at $50k in todays dollars for annual spending (accurate) with 90% chance of success.
Please look at details and make any comments which could improve outcome
improve=retire earlier
improve=spend more
improve=take less risk to get similar outcome
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