Personal Investments • Re: New 401K Portfolio Review & Suggestion

46% US Stock: FID 500 INDEX (FXAIX)/FID MID CAP IDX (FSMDX)/FID SM CAP IDX (FSSNX)
29% Intl stock: FID INTL INDEX (FSPSX)
25% bond: FID US BOND IDX (FXNAX)

For total ~46%, how much should be for each of the Large/Mid/Small Cap?

In this case, I'd suggest 46/0/0.

Regards,

I agree.

In my opinion a S&P 500 index fund is good enough by itself for investing in U.S. stocks, it covers 80% of the U.S. stock market investing in stocks of selected large-cap and mid-cap U.S. companies. In the 30+ years since the creation of the first total stock market index fund the two types of funds have had almost identical performance.

Some years one fund type was a little bit ahead, other years the other fund type was a little bit ahead. I would not bother adding another U.S. stock fund trying to better mimic a total stock market index fund.

Thank you both. I took the suggestion and made the selection today.

By the way, I checked all my 401k retirements accounts today and the overall portfolio from the balance as today is:

- US stock: 56%
- International stock: 15%
- Bond (including cash):29%

Is the bond% too high? I currently have personal brokerage account (taxable account) at Vanguard with some free cash uninvested (sit in the settlement fund), maybe I can invest in some Vanguard funds (e.g. Vanguard S&P-500 fund (VFIAX or VOO) or Vanguard Total Stock Market Fund (VTSAX or VTI)) to reduce the overall bond ratio a little bit, even add some Vanguard international fund to increase international stock ratio a little bit?
Any good suggestion? Thanks.

Statistics: Posted by fred2017 — Thu Sep 05, 2024 12:20 am

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