[Moderator note - this is a foillow-up to an earlier thread - moderator prudent]
Emergency funds:100k
Debt
home loan 3.10%
school 1.00%
boat 4.50%
Tax Filing StatusMarried Filing Jointly
Tax RateFederal32%
State4.25%
State of ResidenceLouisiana
Age45
Portfolio850K
His 401k
Contribute the yearly max amount with employee 3% match
Fund Name Ticker SymbolER
1.90%4062 Voya Fixed Account0.00%
3.81%6431 Voya Intermediate Bond Fund - Class R60.30%
2.34%6589 PGIM High Yield Fund - Class R60.38%
8.78%3207 Voya Index Solution 2045 Portfolio - Class Z0.38%
8.93%7027 American Funds® American Balanced Fund® - Class R-6 0.25%
14.41%2323 American Funds® Fundamental Investors® - Class R-60.28%
11.78%1724 American Funds® The Growth Fund of America® - Class R-6 0.30%
9.41%0756 Vanguard® Mid-Cap Index Fund - Admiral™ Shares0.05%
Her SEP IRA
Contribute the yearly max amount
3.53%AMERICAN FUNDS EUROPACIFIC GROWTH FUND CL F2 N/L(AEPFX)0.57%
2.42%EATON VANCE ATLANTA CAPITAL SMID CAP FUND CL I N/L(EISMX)0.88%
5.60%MFS RESEARCH FUND CL I N/L(MRFIX)0.54%
5.73%METROPOLITAN WEST TOTAL RETURN BOND FUND CL I N/L(MWTIX)0.45%
6.99%VANGUARD 500 INDEX FUND ADMIRAL SHARES N/L(VFIAX)0.04%
2.37%WASATCH SMALL CAP VALUE FUND INSTL CL N/L(WICVX)1.05%
Kid 1 529
1.25%AMERICAN VA 529 CAPITAL WORLD GROWTH & INC FD CL A M/F(CWIAX)0.80%
0.47%AMERICAN VA 529 CAPITAL WORLD GROWTH & INC FD CL C M/FCWICX)0.76%
Kid 2 529
0.60%AMERICAN VA 529 CAPITAL WORLD GROWTH & INC FD CL A M/F(CWIAX)0.80%
0.45%AMERICAN VA 529 CAPITAL WORLD GROWTH & INC FD CL C M/F(CWICX)0.76%
Kid 3 529
0.50%AMERICAN VA 529 CAPITAL WORLD GROWTH & INC FD CL A M/F(CWIAX)0.80%
0.45%AMERICAN VA 529 CAPITAL WORLD GROWTH & INC FD CL C M/F(CWICX)0.76%
HSA
Contirbute the yearly max amount
0.20%Growth Fund Class R6(MFEKX)0.50%
0.23%Schwab S&P 500 Index Fund(SWPPX)0.02%
0.09%Invesco Discovery Mid Cap Growth R6(OEGIX)0.67%
0.09%Franklin Small Cap Value R6(FRCSX)0.59%
0.16%Fidelity® International Index(FSPSX)0.04%
0.10%PIMCO Total Return Instl(PTTRX)0.49%
0.13%Vanguard Federal Money Market Investor(VMFXX)0.11%
Taxable
0.20%AMERICAN FUNDS EUROPACIFIC GROWTH FUND CL F2 N/L(AEPFX)0.57%
0.14%EATON VANCE ATLANTA CAPITAL SMID CAP FUND CL I N/L(EISMX)0.88%
0.31%MFS RESEARCH FUND CL I N/L(MRFIX)0.54%
0.31%METROPOLITAN WEST TOTAL RETURN BOND FUND CL I N/L(MWTIX)0.45%
0.39%VANGUARD 500 INDEX FUND ADMIRAL SHARES N/L(VFIAX)0.04%
0.14%WASATCH SMALL CAP VALUE FUND INSTL CL N/L(WICVX)1.05%
5.79%I also have a stock portfolio
1. Could use some recommendation on the above. Just learned what ER really meant so trying to see how I can improve my investments.
2. I have an extra 6k a year I can put to retirement and trying to determine the best place for that. I started buying dividend stocks but after reading some post that may not be the best right now.
Emergency funds:100k
Debt
home loan 3.10%
school 1.00%
boat 4.50%
Tax Filing StatusMarried Filing Jointly
Tax RateFederal32%
State4.25%
State of ResidenceLouisiana
Age45
Portfolio850K
His 401k
Contribute the yearly max amount with employee 3% match
Fund Name Ticker SymbolER
1.90%4062 Voya Fixed Account0.00%
3.81%6431 Voya Intermediate Bond Fund - Class R60.30%
2.34%6589 PGIM High Yield Fund - Class R60.38%
8.78%3207 Voya Index Solution 2045 Portfolio - Class Z0.38%
8.93%7027 American Funds® American Balanced Fund® - Class R-6 0.25%
14.41%2323 American Funds® Fundamental Investors® - Class R-60.28%
11.78%1724 American Funds® The Growth Fund of America® - Class R-6 0.30%
9.41%0756 Vanguard® Mid-Cap Index Fund - Admiral™ Shares0.05%
Her SEP IRA
Contribute the yearly max amount
3.53%AMERICAN FUNDS EUROPACIFIC GROWTH FUND CL F2 N/L(AEPFX)0.57%
2.42%EATON VANCE ATLANTA CAPITAL SMID CAP FUND CL I N/L(EISMX)0.88%
5.60%MFS RESEARCH FUND CL I N/L(MRFIX)0.54%
5.73%METROPOLITAN WEST TOTAL RETURN BOND FUND CL I N/L(MWTIX)0.45%
6.99%VANGUARD 500 INDEX FUND ADMIRAL SHARES N/L(VFIAX)0.04%
2.37%WASATCH SMALL CAP VALUE FUND INSTL CL N/L(WICVX)1.05%
Kid 1 529
1.25%AMERICAN VA 529 CAPITAL WORLD GROWTH & INC FD CL A M/F(CWIAX)0.80%
0.47%AMERICAN VA 529 CAPITAL WORLD GROWTH & INC FD CL C M/FCWICX)0.76%
Kid 2 529
0.60%AMERICAN VA 529 CAPITAL WORLD GROWTH & INC FD CL A M/F(CWIAX)0.80%
0.45%AMERICAN VA 529 CAPITAL WORLD GROWTH & INC FD CL C M/F(CWICX)0.76%
Kid 3 529
0.50%AMERICAN VA 529 CAPITAL WORLD GROWTH & INC FD CL A M/F(CWIAX)0.80%
0.45%AMERICAN VA 529 CAPITAL WORLD GROWTH & INC FD CL C M/F(CWICX)0.76%
HSA
Contirbute the yearly max amount
0.20%Growth Fund Class R6(MFEKX)0.50%
0.23%Schwab S&P 500 Index Fund(SWPPX)0.02%
0.09%Invesco Discovery Mid Cap Growth R6(OEGIX)0.67%
0.09%Franklin Small Cap Value R6(FRCSX)0.59%
0.16%Fidelity® International Index(FSPSX)0.04%
0.10%PIMCO Total Return Instl(PTTRX)0.49%
0.13%Vanguard Federal Money Market Investor(VMFXX)0.11%
Taxable
0.20%AMERICAN FUNDS EUROPACIFIC GROWTH FUND CL F2 N/L(AEPFX)0.57%
0.14%EATON VANCE ATLANTA CAPITAL SMID CAP FUND CL I N/L(EISMX)0.88%
0.31%MFS RESEARCH FUND CL I N/L(MRFIX)0.54%
0.31%METROPOLITAN WEST TOTAL RETURN BOND FUND CL I N/L(MWTIX)0.45%
0.39%VANGUARD 500 INDEX FUND ADMIRAL SHARES N/L(VFIAX)0.04%
0.14%WASATCH SMALL CAP VALUE FUND INSTL CL N/L(WICVX)1.05%
5.79%I also have a stock portfolio
1. Could use some recommendation on the above. Just learned what ER really meant so trying to see how I can improve my investments.
2. I have an extra 6k a year I can put to retirement and trying to determine the best place for that. I started buying dividend stocks but after reading some post that may not be the best right now.
Statistics: Posted by wakesurfmore — Wed Jan 10, 2024 2:04 pm — Replies 2 — Views 159