Hello Fools,

I posted this on the Index Board but thought, since we are saving for retirement, this board's input would be welcome.

Hubby and I are self-employed and worked hard to get the business going. Had some lean years but now are doing ok. Business has $100000 in working capital, no debt.

We own our own home, approx. value $750,000, no debt, one child in graduate school, the other freshman in high school, college accounts funded.

We hold the following in regular accounts:

USAA Money Market - 3.5%
VMMXX - 11.15%
VFIAX - 50% (monthly contribution $650)
VFIIX - 17%


Retirement accounts - DH (55 yrs old)
SEP, VFINX - 11.15%
ROTH, VIGRX - 2% (annual contribution $3,500)
SIMPLE, VFINX - 1% (new account, annual contribution $7,500 + 3% company match)

Retirement accounts - me (51 yrs old)
ROTH, VFINX - 3.2% (annual contribution $3,500)
SIMPLE, VTSMX - 1% (new account, annual contribution $7,500 + 3% company match)

Our plan is to work another 15-20 years because we enjoy it. How are we doing, what needs work?

I am looking forward to your replies. Thanks.