Hi,
I would like to rebalance and change my stock / bond allocation in both Vanguard PAS and my 401k. Age 55 and DW is 50. 3 kids in high school and middle school We are in good shape with 529 college savings to cover four years at a public college but likely do not have enough if all three go to a private college at full price. We would like to pay for college no matter where the kids go and possibly all or some graduate school. We'd like to retire in 5 years but 10 is more likely. We haven't won the game but are hoping to within the next 5 to 10 years and will likely go 50 stock / 50 bond at that point.
For Vanguard PAS, our current allocation is 77% stocks and 23% bonds although our advisor is recommending we go more conservative.
For my 401k through work at Fidelity, I am at 85.52% stock and 14.48% bonds split amongst the below 5 funds. For going forward contribution elections, I am at 80 % stock / 20% bond as follows:
BNYM Stock IDX IS -- 58%
BNYM MDCP STK IDX IS -- 2%
BNYM SMCP STK IDX IS -- 5%
FID INTL INDEX -- 15%
BNYM ACG BD IDX IS -- 20%
While we have benefited from being aggressive, it feels like this may be too aggressive if we want to retire in 5 to 10 years. If we don't have enough to retire, I think DW and I will just keep working until we "win the game" rather than retire with less.
For the 401k, below are the investment choices and gross expense ratios. With Fidelity and my 401k, I believe I can go find and invest other funds, if necessary, although I would have to investigate the expense ratios.
I like the idea of the Target Date funds but the costs seem high compared to the broad index funds I am in now. One reason why I like the Target Date is I have had trouble pulling the trigger on rebalancing. I am definietly the set it and forget it mindset. The T Rowe Price 2030 is at 62.74% stock and 29.3 bond which seems too conservative for us. The T Rowe Price 2035 is at 75% stocks, 18% bond, etc. which surprised me for 10 years out as that seems aggressive but perhaps that is where we should be or maybe a bit more conservative?
I feel like I should channel Dr. Bernstein, Jason Zweig, and other bogleheads who I suspect would say that I need to get more conservative. Even though I like the Target Date approach, I may stick with my current funds because of costs and just reallocate? Appreciate any input -- thank you!
BNYM STOCK IDX IS 0.0181%
DODGE & COX STOCK X (DOXGX) 0.46%
FID BLUE CHP GR CP A 0.43%
BNYM MDCP STK IDX IS 0.0293%
BNYM SMCP STK IDX IS 0.0311%
WB SMALL CAP VALUE I (ICSCX) 0.92%
FID INTL CAP APPR K6 (FAPCX) 0.66%
FID INTL INDEX (FSPSX) 0.035%
CB SMALL CAP GROWTH 0.6502%
TRP RETIRE 2005 F 0.37%
TRP RETIRE 2010 F 0.37%
TRP RETIRE 2015 F 0.37%
TRP RETIRE 2020 F 0.37%
TRP RETIRE 2025 F 0.37%
TRP RETIRE 2030 F 0.37%
TRP RETIRE 2035 F 0.37%
TRP RETIRE 2040 F 0.37%
TRP RETIRE 2045 F 0.37%
TRP RETIRE 2050 F 0.37%
TRP RETIRE 2055 F 0.37%
TRP RETIRE 2060 F 0.37%
TRP RETIRE 2065 F 0.37%
BONDS AND STABLE VALUE
MELLON STABLE VAL M 0.34%
BLKRK TOT RETURN K (MPHQX) 0.38%
BNYM AGG BD IDX IS 0.0298%
SPECIALTY
PIM ALL ASSET INST (PAAIX)1.915%
I would like to rebalance and change my stock / bond allocation in both Vanguard PAS and my 401k. Age 55 and DW is 50. 3 kids in high school and middle school We are in good shape with 529 college savings to cover four years at a public college but likely do not have enough if all three go to a private college at full price. We would like to pay for college no matter where the kids go and possibly all or some graduate school. We'd like to retire in 5 years but 10 is more likely. We haven't won the game but are hoping to within the next 5 to 10 years and will likely go 50 stock / 50 bond at that point.
For Vanguard PAS, our current allocation is 77% stocks and 23% bonds although our advisor is recommending we go more conservative.
For my 401k through work at Fidelity, I am at 85.52% stock and 14.48% bonds split amongst the below 5 funds. For going forward contribution elections, I am at 80 % stock / 20% bond as follows:
BNYM Stock IDX IS -- 58%
BNYM MDCP STK IDX IS -- 2%
BNYM SMCP STK IDX IS -- 5%
FID INTL INDEX -- 15%
BNYM ACG BD IDX IS -- 20%
While we have benefited from being aggressive, it feels like this may be too aggressive if we want to retire in 5 to 10 years. If we don't have enough to retire, I think DW and I will just keep working until we "win the game" rather than retire with less.
For the 401k, below are the investment choices and gross expense ratios. With Fidelity and my 401k, I believe I can go find and invest other funds, if necessary, although I would have to investigate the expense ratios.
I like the idea of the Target Date funds but the costs seem high compared to the broad index funds I am in now. One reason why I like the Target Date is I have had trouble pulling the trigger on rebalancing. I am definietly the set it and forget it mindset. The T Rowe Price 2030 is at 62.74% stock and 29.3 bond which seems too conservative for us. The T Rowe Price 2035 is at 75% stocks, 18% bond, etc. which surprised me for 10 years out as that seems aggressive but perhaps that is where we should be or maybe a bit more conservative?
I feel like I should channel Dr. Bernstein, Jason Zweig, and other bogleheads who I suspect would say that I need to get more conservative. Even though I like the Target Date approach, I may stick with my current funds because of costs and just reallocate? Appreciate any input -- thank you!
BNYM STOCK IDX IS 0.0181%
DODGE & COX STOCK X (DOXGX) 0.46%
FID BLUE CHP GR CP A 0.43%
BNYM MDCP STK IDX IS 0.0293%
BNYM SMCP STK IDX IS 0.0311%
WB SMALL CAP VALUE I (ICSCX) 0.92%
FID INTL CAP APPR K6 (FAPCX) 0.66%
FID INTL INDEX (FSPSX) 0.035%
CB SMALL CAP GROWTH 0.6502%
TRP RETIRE 2005 F 0.37%
TRP RETIRE 2010 F 0.37%
TRP RETIRE 2015 F 0.37%
TRP RETIRE 2020 F 0.37%
TRP RETIRE 2025 F 0.37%
TRP RETIRE 2030 F 0.37%
TRP RETIRE 2035 F 0.37%
TRP RETIRE 2040 F 0.37%
TRP RETIRE 2045 F 0.37%
TRP RETIRE 2050 F 0.37%
TRP RETIRE 2055 F 0.37%
TRP RETIRE 2060 F 0.37%
TRP RETIRE 2065 F 0.37%
BONDS AND STABLE VALUE
MELLON STABLE VAL M 0.34%
BLKRK TOT RETURN K (MPHQX) 0.38%
BNYM AGG BD IDX IS 0.0298%
SPECIALTY
PIM ALL ASSET INST (PAAIX)1.915%
Statistics: Posted by CedarRams — Tue Sep 09, 2025 11:22 am — Replies 0 — Views 38