No. of Recommendations: 0
I've been going back and reading through past posts here and realize that most here recommend sticking pretty close to the index funds. DH and I have 401-Ks at work (I also have a Cash Balance Pension Plan) - we're putting 10% in and are getting matches of 5-6% from employers. We have not started funding Roths - working on getting rid of CC debt. Total payoff is projected to April 2006. However, we intend to start Roths for 2004 - probably later in the year or with my bonus I usually get in February each year.

My question has to do with diversification. I work for a financial institution and prior to this year, my only choices in 401-K investments were proprietary funds of my employer (affiliate). Recently, they added some others:
Dodge & Cox Stock Fund
Batterymarch US Small Cap
Ficelity Diversified Internat'l
Fidelity RE Investment Port
Vanguard Total Stock Market

Not completely knowing what we were doing, we initally went with 1/3 index (or in my case Large CAP) 1/3 small cap, and 1/3 international.

Here is where they sit today, across all three accounts:
My Company stock: 20% (co match - no choice)
Large Cap: 16% (proprietary fund)
Small Cap: 29% (proprietary fund and his is AA Small Cap)
Internat'l: 26% (proprietary fund and his Europacific Growth)
Putnam S&P: 8% (his)
Total in all 3 vehicles: $72K

I'm 44 and he's 40.

We're plowing about $2,400 per month into debt payoff, so this will be freed up once the debt is gone. I know we're WAY behind the 8-ball in getting our savings for retirement underway.

I'd appreciate some frank recommendations for asset allocation.

Print the post  


The Retirement Investing Board
This is the board for all discussions related to Investing for and during retirement. To keep the board relevant and Foolish to everyone, please avoid making any posts pertaining to political partisanship. Fool on and Retire on!
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.